{"id":27537,"date":"2024-10-24T11:22:28","date_gmt":"2024-10-24T16:22:28","guid":{"rendered":"https:\/\/bolttech.io\/insights\/bao-hiem-se-tiep-tuc-chuyen-doi-nhu-the-nao-vao-nam-2022\/"},"modified":"2024-10-24T11:22:28","modified_gmt":"2024-10-24T16:22:28","slug":"bao-hiem-se-tiep-tuc-chuyen-doi-nhu-the-nao-vao-nam-2022","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/bao-hiem-se-tiep-tuc-chuyen-doi-nhu-the-nao-vao-nam-2022\/","title":{"rendered":"B\u1ea3o hi\u1ec3m s\u1ebd ti\u1ebfp t\u1ee5c chuy\u1ec3n \u0111\u1ed5i nh\u01b0 th\u1ebf n\u00e0o v\u00e0o n\u0103m 2022"},"content":{"rendered":"\n<p>M\u01b0\u1eddi n\u0103m tr\u01b0\u1edbc, ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u00e3 s\u1eb5n s\u00e0ng tr\u00ean b\u1edd v\u1ef1c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 s\u1eafp x\u1ea3y ra. Khi n\u0103m 2021 s\u1eafp k\u1ebft th\u00fac, nh\u1eefng thay \u0111\u1ed5i n\u00e0y kh\u00f4ng c\u00f2n s\u1eafp x\u1ea3y ra n\u1eefa, m\u00e0 l\u00e0 th\u1ef1c t\u1ebf.<\/p>\n\n<p>Gi\u1eefa n\u0103m 2021 ch\u1ee9ng ki\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang h\u01b0\u1edbng t\u1edbi \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 l\u1edbn h\u01a1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi nh\u00e2n vi\u00ean, \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i \u0111\u1ec1u b\u1eaft \u0111\u1ea7u l\u00ean ti\u1ebfng v\u1ec1 s\u1edf th\u00edch l\u00e0m vi\u1ec7c t\u1eeb xa v\u00e0 c\u00e1c t\u00f9y ch\u1ecdn giao ti\u1ebfp \u1ea3o. Tr\u00ean th\u1ef1c t\u1ebf, v\u00e0o gi\u1eefa n\u0103m 2021, 40% nh\u00e0 m\u1ea1ng theo m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t c\u1ee7a Deloitte \u0111\u00e3 t\u0103ng ng\u00e2n s\u00e1ch n\u0103m 2021 v\u00e0 31% d\u1ef1 ki\u1ebfn s\u1ebd l\u00e0m nh\u01b0 v\u1eady m\u1ed9t l\u1ea7n n\u1eefa v\u00e0o cu\u1ed1i n\u0103m, <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/financial-services\/impact-of-pandemic-insurance-industry.html\" target=\"_blank\" rel=\"noreferrer noopener\">Gary Shaw<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch v\u00e0 l\u00e3nh \u0111\u1ea1o b\u1ea3o hi\u1ec3m M\u1ef9 t\u1ea1i Deloitte vi\u1ebft.<\/p>\n\n<p>Nh\u1eefng kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0y s\u1ebd ti\u1ebfp t\u1ee5c th\u00fac \u0111\u1ea9y s\u1ef1 thay \u0111\u1ed5i c\u00f4ng ngh\u1ec7 v\u00e0o n\u0103m 2021 v\u00e0 h\u01a1n th\u1ebf n\u1eefa. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng g\u00ec c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong c\u00f3 th\u1ec3 mong \u0111\u1ee3i khi n\u0103m 2022 m\u1edf ra.<\/p>\n\n<h2 class=\"wp-block-heading\">D\u00e2n ch\u1ee7 h\u00f3a thay \u0111\u1ed5i m\u1ed1i quan h\u1ec7 b\u1ea3o hi\u1ec3m<\/h2>\n\n<p>Nh\u1eefng thay \u0111\u1ed5i nhanh ch\u00f3ng trong c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong trong th\u1eadp k\u1ef7 tr\u01b0\u1edbc \u0111\u00e3 th\u00fac \u0111\u1ea9y nh\u1eefng thay \u0111\u1ed5i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. V\u00e0o n\u0103m 2022, nh\u1eefng k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng n\u00e0y c\u00f3 th\u1ec3 s\u1ebd th\u00fac \u0111\u1ea9y nh\u1eefng n\u1ed7 l\u1ef1c ti\u1ebfp t\u1ee5c h\u01b0\u1edbng t\u1edbi d\u00e2n ch\u1ee7 h\u00f3a b\u1ea3o hi\u1ec3m, thay \u0111\u1ed5i h\u01a1n n\u1eefa c\u00e1c m\u1ed1i quan h\u1ec7.<\/p>\n\n<p>&#8220;Nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng \u0111ang ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng khi k\u1ef3 v\u1ecdng c\u1ee7a h\u1ecd thay \u0111\u1ed5i \u0111\u1ec3 ph\u1ea3n \u00e1nh m\u1ee9c \u0111\u1ed9 c\u00e1 nh\u00e2n h\u00f3a v\u00e0 kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng cao h\u01a1n m\u00e0 h\u1ecd tr\u1ea3i nghi\u1ec7m trong c\u00e1c kh\u00eda c\u1ea1nh kh\u00e1c c\u1ee7a cu\u1ed9c s\u1ed1ng&#8221;, <a href=\"https:\/\/www.huronconsultinggroup.com\/insights\/digital-disruption-strategic-approach\" target=\"_blank\" rel=\"noreferrer noopener\">Alasdair Trotter v\u00e0 Bill Greene<\/a> t\u1ea1i Huron Consulting Group vi\u1ebft. S\u1ef1 c\u00e1 nh\u00e2n h\u00f3a v\u00e0 kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng t\u0103ng l\u00ean n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c chia s\u1ebb th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\n<p>K\u1ef3 v\u1ecdng c\u00e1 nh\u00e2n h\u00f3a c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng ph\u00e1t sinh t\u1eeb \u00fd th\u1ee9c tham gia ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a h\u1ecd v\u00e0o c\u00e1c qu\u00e1 tr\u00ecnh thu th\u1eadp v\u00e0 mua th\u00f4ng tin tr\u1ef1c tuy\u1ebfn. Khi kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn, h\u1ecd tr\u1ea3i nghi\u1ec7m n\u00f3 nh\u01b0 m\u1ed9t qu\u00e1 tr\u00ecnh t\u00edch c\u1ef1c trong \u0111\u00f3 h\u1ecd l\u00e0 ng\u01b0\u1eddi tham gia t\u00edch c\u1ef1c. C\u00e0ng nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u1ea3m th\u1ea5y m\u00ecnh tham gia, h\u1ecd c\u00e0ng c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng mong \u0111\u1ee3i qu\u00e1 tr\u00ecnh \u0111\u00f3 c\u00f3 b\u1ea3n ch\u1ea5t d\u00e2n ch\u1ee7.<\/p>\n\n<p>Kh\u00e1ch h\u00e0ng \u0111\u1eb7c bi\u1ec7t quan t\u00e2m \u0111\u1ebfn vi\u1ec7c d\u00e2n ch\u1ee7 h\u00f3a d\u1eef li\u1ec7u. \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, d\u00e2n ch\u1ee7 h\u00f3a d\u1eef li\u1ec7u b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u00f3 m\u1ed9t s\u1ed1 h\u00ecnh th\u1ee9c, t\u1eeb kh\u1ea3 n\u0103ng ki\u1ec3m so\u00e1t b\u1ea3o m\u1eadt d\u1eef li\u1ec7u v\u00e0 quy\u1ec1n ri\u00eang t\u01b0 c\u1ee7a ch\u00ednh h\u1ecd \u0111\u1ebfn kh\u1ea3 n\u0103ng chia s\u1ebb th\u00f4ng tin li\u00ean quan m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m, thi\u1ebft l\u1eadp t\u1ef7 l\u1ec7 v\u00e0 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n<p>N\u00f3i chung, d\u00e2n ch\u1ee7 h\u00f3a d\u1eef li\u1ec7u \u0111\u1ec1 c\u1eadp \u0111\u1ebfn \u00fd t\u01b0\u1edfng r\u1eb1ng b\u1eb1ng c\u00e1ch l\u00e0m cho d\u1eef li\u1ec7u d\u1ec5 d\u00e0ng truy c\u1eadp h\u01a1n cho c\u00e1c b\u00ean b\u1ecb \u1ea3nh h\u01b0\u1edfng, nhi\u1ec1u gi\u00e1 tr\u1ecb h\u01a1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c m\u1edf kh\u00f3a, <a href=\"https:\/\/www.precisely.com\/blog\/data-quality\/data-democratization-data-literacy-modern-data-driven-enterprise\" target=\"_blank\" rel=\"noreferrer noopener\">Deb Cobb<\/a> vi\u1ebft t\u1ea1i nh\u00e0 cung c\u1ea5p gi\u1ea3i ph\u00e1p ch\u1ea5t l\u01b0\u1ee3ng d\u1eef li\u1ec7u Ch\u00ednh x\u00e1c. C\u00e1c quy\u1ebft \u0111\u1ecbnh c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra hi\u1ec7u qu\u1ea3 v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n b\u1edfi kh\u00e1ch h\u00e0ng v\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5, b\u1edfi v\u00ec c\u1ea3 hai b\u00ean \u0111\u1ec1u c\u00f3 th\u00f4ng tin h\u1ecd c\u1ea7n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o k\u1ebft qu\u1ea3 t\u1ed5ng th\u1ec3 t\u1ed1t nh\u1ea5t.<\/p>\n\n<p>\u00c1p d\u1ee5ng \u0111\u00fang c\u00e1ch, d\u00e2n ch\u1ee7 h\u00f3a b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n l\u1ee3i nhu\u1eadn c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. M\u1ed9t v\u00ed d\u1ee5 l\u00e0 b\u1ea3o v\u1ec7 kh\u1ecfi c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng v\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 t\u01b0\u01a1ng t\u1ef1 cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf, th\u01b0\u1eddng kh\u00f4ng c\u00f3 c\u00f4ng c\u1ee5 c\u0169ng nh\u01b0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng ransomware v\u00e0 c\u00e1c m\u1ed1i \u0111e d\u1ecda k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c, <a href=\"https:\/\/www.insurancebusinessmag.com\/ca\/news\/breaking-news\/cyber-security-needs-to-be-democratized-for-small-businesses-313347.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Greg Markell<\/a>, ch\u1ee7 t\u1ecbch v\u00e0 CEO t\u1ea1i Ridge Canada Cyber Solutions cho bi\u1ebft.<\/p>\n\n<p>Khi c\u00e1c c\u00f4ng c\u1ee5 an ninh m\u1ea1ng tr\u1edf n\u00ean d\u00e2n ch\u1ee7 h\u01a1n, vi\u1ec7c b\u1ea3o hi\u1ec3m ngay c\u1ea3 nh\u1eefng doanh nghi\u1ec7p nh\u1ecf nh\u1ea5t ch\u1ed1ng l\u1ea1i nh\u1eefng m\u1ed1i \u0111e d\u1ecda n\u00e0y c\u00f3 th\u1ec3 s\u1ebd tr\u1edf n\u00ean kh\u1ea3 thi h\u01a1n \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 m\u1ea1ng, Markell n\u00f3i. M\u1ed9t s\u1ef1 d\u00e2n ch\u1ee7 h\u00f3a th\u00f4ng tin v\u00e0 c\u00f4ng c\u1ee5 t\u01b0\u01a1ng t\u1ef1 trong c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ti\u1ebfp c\u1eadn c\u1ea3 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p, nh\u1eefng ng\u01b0\u1eddi thi\u1ebfu b\u1ea3o hi\u1ec3m thi\u1ebft y\u1ebfu cho m\u1ed9t lo\u1ea1t c\u00e1c m\u1ed1i \u0111e d\u1ecda.<\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/viewing-home-online-1024x683.jpg\" alt=\"Ng&#x1B0;&#x1EDD;i ph&#x1EE5; n&#x1EEF; ch&#x1ECD;n nh&#xE0; m&#x1EDB;i tr&#x1EF1;c tuy&#x1EBF;n b&#x1EB1;ng m&#xE1;y t&#xED;nh x&#xE1;ch tay\" class=\"wp-image-10622\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m s\u1ebd \u0111\u00e1p \u1ee9ng kh\u00e1ch h\u00e0ng \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf<\/h2>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang \u0111\u00e3 l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn trong m\u1ed9t s\u1ed1 b\u1ed1i c\u1ea3nh. Tuy nhi\u00ean, trong n\u0103m 2022 v\u00e0 h\u01a1n th\u1ebf n\u1eefa, n\u00f3 c\u00f3 kh\u1ea3 n\u0103ng tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n.<\/p>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang \u0111\u00e1p \u1ee9ng kh\u00e1ch h\u00e0ng \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf b\u1eb1ng c\u00e1ch cung c\u1ea5p c\u00e1c t\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m t\u1ea1i th\u1eddi \u0111i\u1ec3m ch\u00ednh x\u00e1c m\u00e0 kh\u00e1ch h\u00e0ng c\u1ea7n b\u1ea3o hi\u1ec3m. M\u1ed9t v\u00ed d\u1ee5 ng\u00e0y c\u00e0ng quen thu\u1ed9c l\u00e0 c\u00e1c t\u00f9y ch\u1ecdn g\u00f3i b\u1ea3o h\u00e0nh ho\u1eb7c b\u1ea3o v\u1ec7 m\u1edf r\u1ed9ng cho m\u1ed9t s\u1ed1 giao d\u1ecbch mua nh\u1ea5t \u0111\u1ecbnh c\u1ee7a Amazon. V\u00ed d\u1ee5: khi kh\u00e1ch h\u00e0ng mua m\u1ed9t m\u00e1y t\u00ednh x\u00e1ch tay m\u1edbi tr\u00ean Amazon, \u1ee9ng d\u1ee5ng ho\u1eb7c trang web c\u00f3 th\u1ec3 h\u1ecfi li\u1ec7u kh\u00e1ch h\u00e0ng c\u00f3 mu\u1ed1n mua b\u1ea3o hi\u1ec3m cho m\u1eb7t h\u00e0ng \u0111\u00f3 hay kh\u00f4ng. N\u1ebfu kh\u00e1ch h\u00e0ng ch\u1ecdn b\u1ea3o hi\u1ec3m, gi\u00e1 s\u1ebd \u0111\u01b0\u1ee3c bao g\u1ed3m khi thanh to\u00e1n, h\u1ee3p l\u00fd h\u00f3a quy tr\u00ecnh.<\/p>\n\n<p>Trong tr\u01b0\u1eddng h\u1ee3p c\u1ee7a Amazon, ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u00ean th\u1ee9 ba. \u1ee8ng d\u1ee5ng ho\u1eb7c trang web c\u1ee7a Amazon ch\u1ecbu tr\u00e1ch nhi\u1ec7m truy\u1ec1n \u0111\u1ea1t th\u00f4ng tin li\u00ean quan \u0111\u1ebfn kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch \u0111\u1ec1 c\u1eadp \u0111\u1ebfn t\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m v\u00e0 cho c\u00f4ng ty b\u1ea3o hi\u1ec3m khi mua b\u1ea3o hi\u1ec3m.<\/p>\n\n<p>B\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 li\u00ean k\u1ebft kh\u00e1ch h\u00e0ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 nh\u00e0 cung c\u1ea5p kh\u00f4ng b\u1ea3o hi\u1ec3m v\u1edbi nhau, b\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 th\u1ec3 &#8220;cho ph\u00e9p b\u1ea5t k\u1ef3 nh\u00e0 cung c\u1ea5p s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 b\u00ean th\u1ee9 ba ho\u1eb7c nh\u00e0 ph\u00e1t tri\u1ec3n n\u00e0o trong b\u1ea5t k\u1ef3 l\u0129nh v\u1ef1c n\u00e0o t\u00edch h\u1ee3p li\u1ec1n m\u1ea1ch c\u00e1c gi\u1ea3i ph\u00e1p b\u1ea3o hi\u1ec3m s\u00e1ng t\u1ea1o v\u00e0o \u0111\u1ec1 xu\u1ea5t v\u00e0 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd&#8221;, <a href=\"https:\/\/www.linkedin.com\/pulse\/embedded-insurance-3-trillion-market-opportunity-could-simon-torrance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Simon Torrance<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp th\u01b0\u01a1ng hi\u1ec7u t\u01b0 v\u1ea5n Embedded Finance v\u00e0 Super App Strategies vi\u1ebft.<\/p>\n\n<p>Do \u0111\u00f3, b\u1ea3o hi\u1ec3m nh\u00fang l\u00e0 m\u1ed9t \u0111\u1ec1 xu\u1ea5t h\u1ea5p d\u1eabn cho c\u00e1c doanh nghi\u1ec7p phi b\u1ea3o hi\u1ec3m mu\u1ed1n thu h\u00fat kh\u00e1ch h\u00e0ng k\u1ef9 l\u01b0\u1ee1ng h\u01a1n. B\u1eb1ng c\u00e1ch nh\u00fang t\u00f9y ch\u1ecdn mua b\u1ea3o hi\u1ec3m c\u00f3 li\u00ean quan trong ch\u00ednh giao d\u1ecbch, c\u00e1c doanh nghi\u1ec7p phi b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p gi\u00e1 tr\u1ecb gia t\u0103ng v\u00e0 \u00fd th\u1ee9c cao h\u01a1n v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5.<\/p>\n\n<p>Bao g\u1ed3m trong kh\u00e1i ni\u1ec7m g\u1eb7p g\u1ee1 kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf l\u00e0 kh\u00e1i ni\u1ec7m v\u1ec1 d\u1ecbch v\u1ee5. Cho d\u00f9 kh\u00e1ch h\u00e0ng \u0111ang mua b\u1ea3o hi\u1ec3m nh\u00fang hay g\u1eb7p ph\u1ea3i c\u00e1c t\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m trong h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 li\u00ean quan, \u0111\u1ed9ng l\u1ef1c c\u00e1 nh\u00e2n h\u00f3a th\u01b0\u1eddng khi\u1ebfn kh\u00e1ch h\u00e0ng xem b\u1ea3o hi\u1ec3m nh\u01b0 m\u1ed9t d\u1ecbch v\u1ee5 nhi\u1ec1u nh\u01b0 m\u1ed9t s\u1ea3n ph\u1ea9m. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111ang mua m\u1ed9t s\u1ea3n ph\u1ea9m h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, nh\u01b0ng h\u1ecd tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 t\u1eeb h\u00e3ng v\u1eadn chuy\u1ec3n, \u0111\u1ea1i l\u00fd ho\u1eb7c nh\u00e0 m\u00f4i gi\u1edbi \u0111\u1ec3 l\u00e0m nh\u01b0 v\u1eady.<\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng \u0111ang b\u1eaft \u0111\u1ea7u d\u1ef1a nhi\u1ec1u h\u01a1n v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 d\u1ef1a tr\u00ean d\u1ecbch v\u1ee5. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0o n\u0103m 2020 \u0111\u00e3 t\u1ea1o ra 35% ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a h\u1ecd t\u1eeb c\u00e1c d\u1ecbch v\u1ee5 d\u1ef1a tr\u00ean d\u1ecbch v\u1ee5, <a href=\"https:\/\/www2.deloitte.com\/content\/campaigns\/uk\/insurancetrends\/insurancetrends\/insurancetrends.html\" target=\"_blank\" rel=\"noreferrer noopener\">David Rush<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p vi\u1ebft trong m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Deloitte. \u0110\u1ebfn n\u0103m 2023, nghi\u00ean c\u1ee9u c\u1ee7a Deloitte d\u1ef1 \u0111o\u00e1n con s\u1ed1 n\u00e0y s\u1ebd t\u0103ng l\u00ean 61% khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c t\u1eadp trung v\u00e0o d\u1ecbch v\u1ee5.<\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/hiker-taking-photo-1024x684.jpg\" alt=\"Ng&#x1B0;&#x1EDD;i ph&#x1EE5; n&#x1EEF; du l&#x1ECB;ch ba l&#xF4; s&#x1EED; d&#x1EE5;ng &#x111;i&#x1EC7;n tho&#x1EA1;i th&#xF4;ng minh tr&#xEA;n n&#xFA;i\" class=\"wp-image-10612\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/hiker-taking-photo-1024x684.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/hiker-taking-photo-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/hiker-taking-photo-768x513.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/hiker-taking-photo.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Ch\u00fang t\u00f4i s\u1ebd mua v\u00e0 b\u00e1n b\u1ea3o hi\u1ec3m&#8230; B\u1ea5t c\u1ee9 n\u01a1i n\u00e0o<\/h2>\n\n<p>\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 \u0111\u1ea9y nhanh nh\u1eefng thay \u0111\u1ed5i c\u00f4ng ngh\u1ec7 \u0111ang di\u1ec5n ra trong ng\u00e0nh b\u1ea3o hi\u1ec3m. V\u00e0o n\u0103m 2021, c\u00e1c nh\u00e0 m\u1ea1ng, \u0111\u1ea1i l\u00fd v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u00e3 s\u1eed d\u1ee5ng s\u1ef1 tho\u1ea3i m\u00e1i ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a h\u1ecd v\u1edbi c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi \u0111\u1ec3 m\u1edf r\u1ed9ng vi\u1ec7c s\u1eed d\u1ee5ng v\u00e0 hi\u1ec3u bi\u1ebft v\u1ec1 c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y. V\u00e0o n\u0103m 2022, c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i, \u0111\u1ea1i l\u00fd v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u00e3 s\u1eb5n s\u00e0ng v\u00e0 mong mu\u1ed1n s\u1eed d\u1ee5ng c\u00e1c t\u00f9y ch\u1ecdn k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 ti\u1ebfn h\u00e0nh kinh doanh b\u1ea3o hi\u1ec3m theo nh\u1eefng c\u00e1ch kh\u00e1 kh\u00e1c so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n\n<p>Ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng trong n\u0103m 2022 v\u00e0 xa h\u01a1n c\u00f3 ngh\u0129a l\u00e0 suy ngh\u0129 v\u1ec1 vi\u1ec7c mua v\u00e0 b\u00e1n b\u1ea3o hi\u1ec3m theo nh\u1eefng c\u00e1ch m\u1edbi. M\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn m\u1edbi \u0111\u1ec3 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m, l\u1ea7n l\u01b0\u1ee3t, &#8220;s\u1ebd \u0111\u00f2i h\u1ecfi ph\u1ea3i kh\u00e1m ph\u00e1 c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 m\u1edf r\u1ed9ng, b\u1ecb gi\u00e1n \u0111o\u1ea1n thay \u0111\u1ed5i c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng t\u00e1c v\u1edbi kh\u00e1ch h\u00e0ng&#8221;, <a href=\"https:\/\/www.accenture.com\/us-en\/insights\/insurance\/technology-vision-insurance-2021\" target=\"_blank\" rel=\"noreferrer noopener\">Steve Murphy<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Accenture vi\u1ebft.<\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 nh\u00ecn th\u1ea5y t\u00e1c \u0111\u1ed9ng c\u1ee7a s\u1ef1 gi\u00e1n \u0111o\u1ea1n ki\u1ec3u &#8220;b\u1ea3o hi\u1ec3m \u1edf m\u1ecdi n\u01a1i&#8221;. V\u00ed d\u1ee5, m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t c\u1ee7a Accenture cho th\u1ea5y 66% gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh b\u1ea3o hi\u1ec3m tr\u1ea3 l\u1eddi cho bi\u1ebft t\u1ed5 ch\u1ee9c c\u1ee7a h\u1ecd \u0111ang tr\u1ea3i qua t\u1ed1c \u0111\u1ed9 chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 nhanh h\u01a1n so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y. B\u1ed1n trong s\u1ed1 n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 80% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi \u0111\u1ed3ng \u00fd r\u1eb1ng c\u00e1c chi\u1ebfn l\u01b0\u1ee3c kinh doanh v\u00e0 c\u00f4ng ngh\u1ec7 c\u1ee7a t\u1ed5 ch\u1ee9c c\u1ee7a h\u1ecd kh\u00f4ng c\u00f2n c\u00f3 th\u1ec3 t\u00e1ch r\u1eddi nhau, Murphy v\u00e0 nh\u00f3m Accenture vi\u1ebft.<\/p>\n\n<p>Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, c\u00e1c gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh b\u1ea3o hi\u1ec3m cho bi\u1ebft c\u00e1c chi\u1ebfn l\u01b0\u1ee3c kinh doanh v\u00e0 c\u00f4ng ngh\u1ec7 c\u1ee7a t\u1ed5 ch\u1ee9c c\u1ee7a h\u1ecd th\u1eadm ch\u00ed kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u01b0\u1ee3c v\u1edbi nhau n\u1eefa. C\u00f4ng ngh\u1ec7 v\u00e0 nh\u1eefng g\u00ec n\u00f3 cho ph\u00e9p \u0111ang tr\u1edf th\u00e0nh ng\u00e0nh kinh doanh b\u1ea3o hi\u1ec3m.<\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n nh\u00ecn th\u1ea5y nh\u1eefng thay \u0111\u1ed5i. H\u1ecd \u0111ang th\u00fac \u0111\u1ea9y nh\u1eefng thay \u0111\u1ed5i \u0111\u00f3. C\u00e1c nh\u00e0 m\u1ea1ng \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u1edbi cho c\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m nh\u00fang, \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng v\u00e0 \u0111i\u1ec3m \u0111\u1ebfn k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang tr\u1edf th\u00e0nh s\u1ef1 thay \u0111\u1ed5i \u0111\u01b0\u1ee3c d\u1ef1 \u0111o\u00e1n trong b\u1ea3o hi\u1ec3m. &#8220;Nh\u1eefng ti\u1ebfn b\u1ed9 trong c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang m\u1edf ra m\u1ed9t lo\u1ea1t c\u01a1 h\u1ed9i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m mong mu\u1ed1n m\u1edf r\u1ed9ng ra ngo\u00e0i th\u1ecb tr\u01b0\u1eddng truy\u1ec1n th\u1ed1ng c\u1ee7a h\u1ecd&#8221;, <a href=\"https:\/\/insuranceblog.accenture.com\/10-trends-that-will-shape-insurance-in-2021\" target=\"_blank\" rel=\"noreferrer noopener\">Jean-Fran\u00e7ois Gasc<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh chi\u1ebfn l\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ea1i Accenture vi\u1ebft.<\/p>\n\n<p>S\u1ef1 gi\u00e1n \u0111o\u1ea1n kinh t\u1ebf c\u1ee7a \u0111\u1ea1i d\u1ecbch \u0111\u00e3 t\u1ea1o ra nh\u1eefng th\u00e1ch th\u1ee9c v\u00e0 nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 bi\u1ebfn nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u00f3 th\u00e0nh c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7. Ph\u00ed b\u1ea3o hi\u1ec3m t\u0103ng ch\u1eadm v\u00e0 l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0 th\u1ea5p \u0111\u00e3 th\u00fac \u0111\u1ea9y s\u1ef1 quan t\u00e2m c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 v\u00e0o n\u0103m 2021 v\u00e0 c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c nh\u01b0 v\u1eady v\u00e0o n\u0103m 2022. K\u1ebft qu\u1ea3, theo Gasc, s\u1ebd l\u00e0 m\u1ed9t s\u1ed1 &#8220;quan h\u1ec7 \u0111\u1ed1i t\u00e1c \u0111\u00e1ng ng\u1ea1c nhi\u00ean&#8221; gi\u1eefa c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 c\u00e1c li\u00ean doanh kh\u00e1c.<\/p>\n\n<p>C\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi ho\u1ea1t \u0111\u1ed9ng ng\u00e0y nay trong b\u1ed1i c\u1ea3nh chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang di\u1ec5n ra. T\u1ed1c \u0111\u1ed9 kh\u00f3 c\u00f3 th\u1ec3 ch\u1eadm l\u1ea1i b\u1ea5t c\u1ee9 l\u00fac n\u00e0o s\u1edbm. D\u1ef1 \u0111o\u00e1n t\u1ef1 \u0111\u1ed9ng h\u00f3a ph\u1ed5 bi\u1ebfn v\u00e0 li\u1ec1n m\u1ea1ch h\u01a1n bao gi\u1edd h\u1ebft, <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/how-top-tech-trends-will-transform-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Krish Krishnakanthan<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u McKinsey l\u01b0u \u00fd r\u1eb1ng &#8220;c\u00e1c c\u00f4ng ngh\u1ec7 \u0111\u1eb1ng sau [continued transformations] \u0111\u00e3 t\u1ed3n t\u1ea1i v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 s\u00e1ng t\u1ea1o c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh xu h\u01b0\u1edbng ch\u1ee7 \u0111\u1ea1o trong th\u1eadp k\u1ef7 t\u1edbi&#8221;.<\/p>\n\n<p>M\u1ed9t th\u1eadp k\u1ef7 tr\u01b0\u1edbc, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 chu\u1ea9n b\u1ecb cho m\u1ed9t s\u1ef1 chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c d\u1ef1 \u0111o\u00e1n. Ng\u00e0y nay, h\u1ecd \u0111ang s\u1ed1ng trong \u0111\u00f3. N\u0103m 2022 h\u1ee9a h\u1eb9n s\u1ebd l\u00e0 m\u1ed9t n\u0103m h\u1ea5p d\u1eabn cho s\u1ef1 \u0111\u1ed5i m\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 trong b\u1ea3o hi\u1ec3m, t\u1ea1o ti\u1ec1n \u0111\u1ec1 cho nh\u1eefng g\u00ec v\u01b0\u1ee3t ra ngo\u00e0i.<\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: nirut123rf \/ \u00a9123RF.com, belchonock \/ \u00a9123RF.com, ultramarine \/ \u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u01b0\u1eddi n\u0103m tr\u01b0\u1edbc, ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u00e3 s\u1eb5n s\u00e0ng tr\u00ean b\u1edd v\u1ef1c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 s\u1eafp x\u1ea3y ra. Khi n\u0103m 2021 s\u1eafp k\u1ebft th\u00fac, nh\u1eefng thay \u0111\u1ed5i n\u00e0y kh\u00f4ng c\u00f2n s\u1eafp x\u1ea3y ra n\u1eefa, m\u00e0 l\u00e0 th\u1ef1c t\u1ebf. Gi\u1eefa n\u0103m 2021 ch\u1ee9ng ki\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang h\u01b0\u1edbng t\u1edbi \u0111\u1ea7u t\u01b0 [&hellip;]<\/p>\n","protected":false},"featured_media":10641,"template":"","insight-category":[],"class_list":["post-27537","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/27537","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\/10641"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=27537"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=27537"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}