{"id":33693,"date":"2024-11-19T10:09:05","date_gmt":"2024-11-19T15:09:05","guid":{"rendered":"https:\/\/bolttech.io\/insights\/cong-nghe-huong-den-nguoi-dung-dang-duoc-su-dung-nhu-the-nao-trong-insurtech\/"},"modified":"2024-11-19T10:09:06","modified_gmt":"2024-11-19T15:09:06","slug":"cong-nghe-huong-den-nguoi-dung-dang-duoc-su-dung-nhu-the-nao-trong-insurtech","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/cong-nghe-huong-den-nguoi-dung-dang-duoc-su-dung-nhu-the-nao-trong-insurtech\/","title":{"rendered":"C\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng \u0111ang \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u01b0 th\u1ebf n\u00e0o trong Insurtech"},"content":{"rendered":"\n

Kh\u00e1ch h\u00e0ng, \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e2n vi\u00ean h\u00e3ng b\u1ea3o hi\u1ec3m lu\u00f4n c\u00f3 vai tr\u00f2 quan tr\u1ecdng trong th\u1ebf gi\u1edbi b\u1ea3o hi\u1ec3m. M\u1eb7c d\u00f9 c\u00f4ng ngh\u1ec7 kh\u00f4ng thay \u0111\u1ed5i b\u1ea3n ch\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a c\u00e1c vai tr\u00f2 n\u00e0y, nh\u01b0ng n\u00f3 \u0111\u00e3 cung c\u1ea5p m\u1ed9t s\u1ed1 c\u00f4ng c\u1ee5 h\u1eefu \u00edch cho ng\u01b0\u1eddi tham gia \u0111\u1ec3 th\u1ef1c hi\u1ec7n vai tr\u00f2 c\u1ee7a h\u1ecd d\u1ec5 d\u00e0ng v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n. <\/p>\n\n

Ng\u00e0y nay, c\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng cung c\u1ea5p r\u1ea5t nhi\u1ec1u c\u01a1 h\u1ed9i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u00e0 gi\u1ea3i quy\u1ebft r\u1ee7i ro. B\u1eb1ng c\u00e1ch h\u1ee3p t\u00e1c v\u1edbi nh\u1eefng ng\u01b0\u1eddi t\u1ea1o ra c\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng v\u00e0 v\u1edbi ng\u01b0\u1eddi d\u00f9ng c\u00f4ng ngh\u1ec7 \u0111\u00f3, nh\u01b0 kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 thu th\u1eadp th\u00eam th\u00f4ng tin v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c nhi\u1ec7m v\u1ee5 hi\u1ec7u qu\u1ea3 h\u01a1n. <\/p>\n\n

C\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng v\u00e0 chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 b\u1ea3o hi\u1ec3m<\/h2>\n\n

Tr\u01b0\u1edbc cu\u1ed9c c\u00e1ch m\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1, con ng\u01b0\u1eddi v\u1eabn c\u00f3 s\u1eb5n nhi\u1ec1u c\u00f4ng c\u1ee5 \u0111\u1ec3 gi\u1ea3i quy\u1ebft m\u1ed9t s\u1ed1 nhi\u1ec7m v\u1ee5 nh\u1ea5t \u0111\u1ecbnh. V\u00ed d\u1ee5, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ecm c\u00e1ch hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 r\u1ee7i ro b\u1ea3o hi\u1ec3m nh\u00e0 ho\u1eb7c xe trong m\u1ed9t khu v\u1ef1c nh\u1ea5t \u0111\u1ecbnh, c\u00f3 th\u1ec3 tham kh\u1ea3o d\u1eef li\u1ec7u th\u1ed1ng k\u00ea ho\u1eb7c th\u1ef1c hi\u1ec7n c\u00e1c chuy\u1ebfn th\u0103m khu ph\u1ed1 c\u1ee7a ri\u00eang h\u1ecd. C\u00e1c c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 kh\u00f4ng ph\u00e1t minh ra ph\u00e2n t\u00edch, nh\u01b0ng ch\u00fang \u0111\u00e3 l\u00e0m cho m\u1ed9t s\u1ed1 c\u00e1ch ti\u1ebfp c\u1eadn \u0111\u1ec3 ph\u00e2n t\u00edch d\u1ec5 d\u00e0ng h\u01a1n. <\/p>\n\n

Ng\u00e0y nay, vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 b\u1edfi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. V\u00ed d\u1ee5, nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u00f4ng qua \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh v\u00e0 m\u00e1y t\u00ednh \u0111\u00e3 thay \u0111\u1ed5i quan \u0111i\u1ec3m c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea1i l\u00fd v\u1ec1 nh\u1eefng c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m. <\/p>\n\n

Khi c\u00f4ng ngh\u1ec7 do ng\u01b0\u1eddi d\u00f9ng \u0111i\u1ec1u khi\u1ec3n tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn h\u01a1n, n\u00f3 c\u0169ng cung c\u1ea5p nh\u1eefng c\u01a1 h\u1ed9i ch\u01b0a t\u1eebng c\u00f3 cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 hi\u1ec3u nh\u1eefng g\u00ec \u0111ang x\u1ea3y ra trong m\u1ed9t chi\u1ebfc xe ho\u1eb7c t\u00f2a nh\u00e0 c\u1ee5 th\u1ec3. N\u00f3 c\u0169ng cung c\u1ea5p nh\u1eefng hi\u1ec3u bi\u1ebft m\u1edbi v\u1ec1 h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

V\u00ed d\u1ee5, c\u00e1c thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh c\u00f3 th\u1ec3 thu th\u1eadp th\u00f4ng tin su\u1ed1t ng\u00e0y \u0111\u00eam. K\u1ebft qu\u1ea3 l\u00e0, “ch\u00fang t\u00f4i \u0111ang chuy\u1ec3n t\u1eeb vi\u1ec7c c\u00f3 \u1ea3nh ch\u1ee5p nhanh k\u1ecbp th\u1eddi sang \u0111\u00e1nh gi\u00e1 li\u00ean t\u1ee5c v\u1ec1 nh\u1eefng g\u00ec \u0111ang x\u1ea3y ra trong nh\u00e0”, Dan Davis<\/a>, gi\u00e1m \u0111\u1ed1c chi\u1ebfn l\u01b0\u1ee3c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, qu\u1ea3n l\u00fd danh t\u00ednh v\u00e0 IoT c\u1ee7a LexisNexis cho bi\u1ebft. <\/p>\n\n

B\u1edfi v\u00ec c\u00e1c c\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng \u0111\u00f2i h\u1ecfi s\u1ef1 t\u01b0\u01a1ng t\u00e1c v\u1edbi ng\u01b0\u1eddi d\u00f9ng, nhi\u1ec1u c\u00f4ng ngh\u1ec7 c\u0169ng y\u00eau c\u1ea7u m\u1ed1i quan h\u1ec7 gi\u1eefa kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng m\u1eb7t h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ecm c\u00e1ch hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 nh\u1eefng th\u00e1ch th\u1ee9c li\u00ean quan \u0111\u1ebfn r\u1ee7i ro duy nh\u1ea5t c\u1ee7a kh\u00e1ch h\u00e0ng. C\u00e1c m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng ph\u00f9 h\u1ee3p, \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 n\u00e0y, c\u00f3 th\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng \u0111\u01b0a ra l\u1ef1a ch\u1ecdn t\u1ed1t h\u01a1n \u0111\u1ec3 gi\u1ea3m thi\u1ec3u ho\u1eb7c lo\u1ea1i b\u1ecf r\u1ee7i ro. <\/p>\n\n

\"Người<\/figure>\n\n

Nh\u1eefng c\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng n\u00e0o c\u00f3 trong Insurtech?<\/h2>\n\n

Thu\u1eadt ng\u1eef c\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a r\u1ed9ng r\u00e3i l\u00e0 b\u1ea5t k\u1ef3 c\u00f4ng ngh\u1ec7 n\u00e0o d\u1ef1a tr\u00ean s\u1ef1 t\u01b0\u01a1ng t\u00e1c v\u00e0 ph\u1ea3n h\u1ed3i c\u1ee7a ng\u01b0\u1eddi d\u00f9ng \u0111\u1ec3 ho\u00e0n th\u00e0nh m\u1ee5c \u0111\u00edch d\u1ef1 \u0111\u1ecbnh c\u1ee7a n\u00f3. Trong b\u1ea3o hi\u1ec3m, c\u00e1c c\u00f4ng ngh\u1ec7 do ng\u01b0\u1eddi d\u00f9ng \u0111i\u1ec1u khi\u1ec3n th\u01b0\u1eddng n\u1eb1m trong tay nh\u1eefng ng\u01b0\u1eddi tham gia kh\u00f4ng ph\u1ea3i l\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5, ch\u1eb3ng h\u1ea1n nh\u01b0 kh\u00e1ch h\u00e0ng, \u0111\u1ea1i l\u00fd v\u00e0 ng\u01b0\u1eddi \u0111i\u1ec1u ch\u1ec9nh. Do \u0111\u00f3, th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 m\u1ea1ng n\u1eb1m \u1edf vi\u1ec7c x\u00e2y d\u1ef1ng c\u00e1c m\u1ed1i quan h\u1ec7 khuy\u1ebfn kh\u00edch \u1ee9ng d\u1ee5ng t\u1ed1i \u01b0u c\u00e1c c\u00f4ng ngh\u1ec7 n\u00e0y, c\u0169ng nh\u01b0 trong vi\u1ec7c s\u1eed d\u1ee5ng ch\u00ednh c\u00f4ng ngh\u1ec7. <\/p>\n\n

\u0110i\u1ec7n tho\u1ea1i th\u00f4ng minh<\/h3>\n\n

\u0110i\u1ec7n tho\u1ea1i th\u00f4ng minh \u0111\u00e3 g\u00e2y b\u00e3o tr\u00ean th\u1ebf gi\u1edbi. D\u1eef li\u1ec7u t\u1eeb Statista<\/a> \u01b0\u1edbc t\u00ednh r\u1eb1ng 85% ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh \u1edf M\u1ef9 s\u1edf h\u1eefu \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh v\u00e0o n\u0103m 2021, so v\u1edbi ch\u1ec9 35% v\u00e0o n\u0103m 2011. <\/p>\n\n

Gi\u00e1 tr\u1ecb c\u1ee7a \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh \u0111\u1ebfn t\u1eeb c\u00e1ch kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u00f3 \u0111\u1ec3 t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. Truy c\u1eadp c\u00e1c trang web ho\u1eb7c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ec9 l\u00e0 m\u1ed9t v\u00ed d\u1ee5. M\u1ed9t c\u00e1ch kh\u00e1c l\u00e0 qu\u1ea3n l\u00fd c\u00e1c thi\u1ebft b\u1ecb th\u00f4ng minh nh\u01b0 vi\u1ec5n th\u00f4ng. <\/p>\n\n

“Vi\u1ec5n th\u00f4ng xe, \u0111i\u1ec1u h\u01b0\u1edbng t\u00edch h\u1ee3p, m\u00e1y t\u00ednh v\u00e0 c\u00f4ng ngh\u1ec7 truy\u1ec1n th\u00f4ng di \u0111\u1ed9ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 gi\u00e1m s\u00e1t tr\u1ef1c ti\u1ebfp h\u00e0nh vi l\u00e1i xe cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1eed d\u1ee5ng c\u00e1c y\u1ebfu t\u1ed1 r\u1ee7i ro nh\u00e2n qu\u1ea3 th\u1ef1c s\u1ef1 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c r\u1ee7i ro v\u00e0 ph\u00e1t tri\u1ec3n c\u00e1c k\u1ebf ho\u1ea1ch x\u1ebfp h\u1ea1ng UBI [usage-based insurance] ch\u00ednh x\u00e1c”, Dimitris Karapiperis<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Hi\u1ec7p h\u1ed9i \u1ee6y vi\u00ean B\u1ea3o hi\u1ec3m Qu\u1ed1c gia (NAIC) vi\u1ebft.<\/p>\n\n

Kh\u00e1ch h\u00e0ng c\u0169ng quan t\u00e2m \u0111\u1ebfn vi\u1ec7c bi\u1ebft th\u00eam v\u1ec1 th\u00f3i quen l\u00e1i xe c\u1ee7a ch\u00ednh h\u1ecd. S\u1eed d\u1ee5ng vi\u1ec5n th\u00f4ng m\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 k\u1ebft n\u1ed1i qua \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh c\u00f3 th\u1ec3 cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 r\u1ee7i ro \u0111\u1ed3ng th\u1eddi t\u1ea1o m\u1ed1i quan h\u1ec7 ch\u1eb7t ch\u1ebd h\u01a1n v\u1edbi kh\u00e1ch h\u00e0ng. <\/p>\n\n

M\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i<\/h3>\n\n

Khi m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i l\u1ea7n \u0111\u1ea7u ti\u00ean c\u00f3 s\u1eb5n cho c\u00e1c c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p, h\u1ecd h\u1ee9a h\u1eb9n m\u1ed9t s\u1ed1 l\u1ee3i \u00edch, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong b\u1ea3o hi\u1ec3m. Ng\u00e0y nay, nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1eed d\u1ee5ng m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i nh\u01b0 m\u1ed9t gi\u1ea3i ph\u00e1p thay th\u1ebf an to\u00e0n h\u01a1n, hi\u1ec7u qu\u1ea3 h\u01a1n trong m\u1ed9t s\u1ed1 t\u00ecnh hu\u1ed1ng. <\/p>\n\n

State Farm b\u1eaft \u0111\u1ea7u s\u1eed d\u1ee5ng m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i v\u00e0o n\u0103m 2015 \u0111\u1ec3 ki\u1ec3m tra m\u00e1i c\u1ee7a c\u00e1c t\u00f2a nh\u00e0, c\u0169ng nh\u01b0 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 thi\u1ec7t h\u1ea1i th\u1ea3m kh\u1ed1c nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a qu\u00e1 tr\u00ecnh y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, ph\u00e1t ng\u00f4n vi\u00ean c\u1ee7a State Farm, Dave Phillips<\/a> cho bi\u1ebft.<\/p>\n\n

N\u00f3 an to\u00e0n h\u01a1n cho m\u1ed9t m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i \u0111\u1ec3 ki\u1ec3m tra m\u1ed9t m\u00e1i nh\u00e0 h\u01a1n l\u00e0 g\u1eedi m\u1ed9t ng\u01b0\u1eddi l\u00ean. N\u00f3 c\u0169ng c\u00f3 th\u1ec3 nhanh h\u01a1n, v\u00ec m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i c\u00f3 th\u1ec3 di chuy\u1ec3n nhanh h\u01a1n m\u1ed9t ng\u01b0\u1eddi v\u00e0 c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng chuy\u1ec3n t\u1eeb n\u01a1i n\u00e0y sang n\u01a1i kh\u00e1c trong khi tr\u00ean \u0111\u1ea7u. M\u1ed9t s\u1ed1 m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i th\u1eadm ch\u00ed c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng song song \u0111\u1ec3 thu th\u1eadp th\u00eam th\u00f4ng tin trong c\u00f9ng m\u1ed9t kho\u1ea3ng th\u1eddi gian, Kabir Shaal<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp Drone Software Canada cho bi\u1ebft. <\/p>\n\n

M\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i c\u00f3 th\u1ec3 s\u1edbm tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0a v\u00e0o s\u1eed d\u1ee5ng. V\u00e0o n\u0103m 2021, C\u1ee5c H\u00e0ng kh\u00f4ng Li\u00ean bang<\/a> \u0111\u00e3 c\u00f4ng b\u1ed1 b\u1ea3n c\u1eadp nh\u1eadt cho quy t\u1eafc Ho\u1ea1t \u0111\u1ed9ng tr\u00ean con ng\u01b0\u1eddi, \u0111i\u1ec1u ch\u1ec9nh vi\u1ec7c s\u1eed d\u1ee5ng m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i \u1edf nh\u1eefng khu v\u1ef1c m\u00e0 m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i c\u00f3 th\u1ec3 g\u00e2y th\u01b0\u01a1ng t\u00edch n\u1ebfu n\u00f3 r\u01a1i ra kh\u1ecfi b\u1ea7u tr\u1eddi. Trong s\u1ed1 nh\u1eefng th\u1ee9 kh\u00e1c, quy t\u1eafc n\u00e0y gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m d\u1ec5 d\u00e0ng s\u1eed d\u1ee5ng m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i \u0111\u1ec3 xem c\u00e1c khu v\u1ef1c kh\u00f3 ti\u1ebfp c\u1eadn \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro v\u00e0 ph\u00e2n t\u00edch khi\u1ebfu n\u1ea1i. <\/p>\n\n

Thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh<\/h3>\n\n

C\u0169ng gi\u1ed1ng nh\u01b0 vi\u1ec5n th\u00f4ng \u0111i\u1ec1u khi\u1ec3n b\u1eb1ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh cho ph\u00e9p kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 h\u00e0nh vi l\u00e1i xe, c\u00e1c thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh \u0111i\u1ec1u khi\u1ec3n b\u1eb1ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh gi\u00fap kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 nh\u1eefng r\u1ee7i ro li\u00ean quan \u0111\u1ebfn quy\u1ec1n s\u1edf h\u1eefu nh\u00e0.<\/p>\n\n

Hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 r\u1ee7i ro d\u1eabn \u0111\u1ebfn gi\u1ea3m thi\u1ec3u t\u1ed1t h\u01a1n. “M\u00e1y \u1ea3nh, thi\u1ebft b\u1ecb th\u00f4ng minh – nh\u01b0 thi\u1ebft b\u1ecb \u0111eo, \u0111\u1ed3ng h\u1ed3 ho\u1eb7c \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng – ho\u1eb7c th\u1eadm ch\u00ed l\u00e0 xe th\u00f4ng minh \u0111\u01b0\u1ee3c trang b\u1ecb c\u1ea3m bi\u1ebfn… \u0111ang \u0111\u01b0\u1ee3c c\u00e1c c\u00f4ng ty s\u1eed d\u1ee5ng \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro li\u00ean quan \u0111\u1ebfn n\u01b0\u1edbc, h\u1ecfa ho\u1ea1n, tr\u1ed9m c\u1eafp, tai n\u1ea1n \u00f4 t\u00f4 v\u00e0 th\u01b0\u01a1ng t\u00edch c\u1ee7a c\u00f4ng nh\u00e2n, ” Dan Campany<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u ph\u00f2ng th\u00ed nghi\u1ec7m \u0111\u1ed5i m\u1edbi IoT t\u1ea1i The Hartford cho bi\u1ebft. <\/p>\n\n

Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, m\u1ed9t thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh c\u00f3 th\u1ec3 ng\u0103n ng\u1eeba thi\u1ec7t h\u1ea1i ho\u00e0n to\u00e0n. V\u00ed d\u1ee5, m\u1ed9t c\u1ea3m bi\u1ebfn t\u1ef1 \u0111\u1ed9ng ph\u00e1t hi\u1ec7n m\u1ee9c \u0111\u1ed9 \u1ea9m \u0111\u1ec3 kh\u1edfi \u0111\u1ed9ng m\u00e1y b\u01a1m b\u1ec3 ph\u1ed1t c\u00f3 th\u1ec3 gi\u00fap ng\u0103n ng\u1eeba l\u0169 l\u1ee5t t\u1ea7ng h\u1ea7m b\u1eb1ng c\u00e1ch gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 tr\u01b0\u1edbc khi n\u00f3 c\u00f3 th\u1ec3 x\u1ea3y ra. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u01b0 The Hartford \u0111\u1eb7c bi\u1ec7t quan t\u00e2m \u0111\u1ebfn c\u00e1ch c\u00e1c thi\u1ebft b\u1ecb n\u00e0y c\u00f3 th\u1ec3 thi\u1ebft th\u1ef1c cho kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 cho c\u00f4ng ty b\u1ea3o hi\u1ec3m, Campany n\u00f3i. B\u1eb1ng c\u00e1ch xem x\u00e9t nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 th\u00f4ng tin t\u1ed5n th\u1ea5t, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eadp trung n\u1ed7 l\u1ef1c thi\u1ebft b\u1ecb nh\u00e0 th\u00f4ng minh c\u1ee7a h\u1ecd, n\u01a1i h\u1ecd mang l\u1ea1i l\u1ee3i \u00edch cho c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m nhi\u1ec1u nh\u1ea5t. <\/p>\n\n

Kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi \u1edf c\u00e1c nh\u00f3m tu\u1ed5i tr\u1ebb h\u01a1n, quan t\u00e2m \u0111\u1ebfn c\u00e1c l\u1ef1a ch\u1ecdn \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a. M\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Accenture n\u0103m 2021 “cho th\u1ea5y r\u1eb1ng trong khi m\u1ecdi ph\u00e2n kh\u00fac tu\u1ed5i \u0111\u1ec1u c\u00f3 s\u1ef1 quan t\u00e2m ng\u00e0y c\u00e0ng t\u0103ng \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 gi\u00fap h\u1ecd \u0111\u01b0a ra c\u00e1c l\u1ef1a ch\u1ecdn an to\u00e0n h\u01a1n, l\u00e0nh m\u1ea1nh h\u01a1n v\u00e0 b\u1ec1n v\u1eefng h\u01a1n, nhi\u1ec1u ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u1eeb 34 tu\u1ed5i tr\u1edf xu\u1ed1ng n\u00f3i r\u1eb1ng h\u1ecd mu\u1ed1n lo\u1ea1i tr\u1ee3 gi\u00fap n\u00e0y”, Kenneth Saldanha<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ea5p cao t\u1ea1i Accenture vi\u1ebft. <\/p>\n\n

\"Phụ<\/figure>\n\n

X\u00e2y d\u1ef1ng v\u0103n h\u00f3a l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m xung quanh c\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng<\/h2>\n\n

Ph\u00e1t tri\u1ec3n v\u00e0 tri\u1ec3n khai c\u00e1c c\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng \u0111\u1eb7t ra hai th\u00e1ch th\u1ee9c \u0111\u00e1ng k\u1ec3, theo m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Hong Zhu v\u00e0 Synn\u00f8ve Thomassen Andersen<\/a> t\u1ea1i \u0110\u1ea1i h\u1ecdc B\u1eafc C\u1ef1c Na Uy. Nh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y l\u00e0 l\u00e0m th\u1ebf n\u00e0o t\u1ed1t nh\u1ea5t \u0111\u1ec3 thu h\u00fat ng\u01b0\u1eddi d\u00f9ng v\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 k\u1ebft h\u1ee3p ki\u1ebfn th\u1ee9c thu \u0111\u01b0\u1ee3c v\u00e0o qu\u00e1 tr\u00ecnh tri\u1ec3n khai c\u00f4ng ngh\u1ec7. <\/p>\n\n

T\u00ecm ki\u1ebfm ph\u1ea3n h\u1ed3i c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 m\u1ed9t ph\u1ea7n thi\u1ebft y\u1ebfu trong vi\u1ec7c t\u1ea1o ra c\u00e1c c\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng cho c\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n. Tuy nhi\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 c\u1ee7a ri\u00eang h\u1ecd v\u1eabn c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c t\u1eadp trung v\u00e0o ph\u1ea3n h\u1ed3i c\u1ee7a ng\u01b0\u1eddi d\u00f9ng v\u00ec n\u00f3 li\u00ean quan \u0111\u1ebfn tr\u1ea3i nghi\u1ec7m b\u1ea3o hi\u1ec3m. <\/p>\n\n

\u0110\u00f4i khi t\u00ecm ki\u1ebfm ph\u1ea3n h\u1ed3i c\u00f3 th\u1ec3 \u0111\u01a1n gi\u1ea3n nh\u01b0 th\u1ef1c hi\u1ec7n m\u1ed9t h\u1ed9p \u0111\u1ec1 xu\u1ea5t \u1ea3o. Khi ng\u01b0\u1eddi s\u00e1ng l\u1eadp \u1ee9ng d\u1ee5ng h\u1eb9n h\u00f2 Hily v\u00e0 n\u1ec1n t\u1ea3ng Taimi Alex Pasykov<\/a> th\u00eam bi\u1ec3u m\u1eabu y\u00eau c\u1ea7u t\u00ednh n\u0103ng v\u00e0o \u1ee9ng d\u1ee5ng, anh \u1ea5y n\u00f3i r\u1eb1ng n\u00f3 “\u0111\u00e3 t\u00e1c \u0111\u1ed9ng r\u1ea5t l\u1edbn \u0111\u1ebfn giao ti\u1ebfp c\u1ee7a ch\u00fang t\u00f4i v\u1edbi ng\u01b0\u1eddi d\u00f9ng. N\u00f3 c\u0169ng mang l\u1ea1i nh\u1eefng thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 cho c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a nh\u00f3m ch\u00fang t\u00f4i.” <\/p>\n\n

Ch\u1ee9c n\u0103ng y\u00eau c\u1ea7u t\u00ednh n\u0103ng \u0111\u00e3 gi\u00fap Pasykov v\u00e0 c\u00e1c nh\u00f3m \u1ee9ng d\u1ee5ng t\u1eadp trung v\u00e0o m\u1ed9t v\u00e0i y\u1ebfu t\u1ed1 ch\u00ednh c\u1ee7a vi\u1ec7c k\u1ebft h\u1ee3p quan \u0111i\u1ec3m c\u1ee7a ng\u01b0\u1eddi d\u00f9ng v\u00e0o c\u00e1c c\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng. Ch\u00fang bao g\u1ed3m: <\/p>\n\n