{"id":18637,"date":"2024-09-19T20:51:50","date_gmt":"2024-09-20T01:51:50","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e4%bf%9d%e9%99%a9%e5%ae%a2%e6%88%b7%e5%af%b9-2023-%e5%b9%b4%e5%8f%8a%e4%bb%a5%e5%90%8e%e7%9a%84%e6%9c%9f%e6%9c%9b\/"},"modified":"2024-10-29T08:52:11","modified_gmt":"2024-10-29T13:52:11","slug":"%e4%bf%9d%e9%99%a9%e5%ae%a2%e6%88%b7%e5%af%b9-2023-%e5%b9%b4%e5%8f%8a%e4%bb%a5%e5%90%8e%e7%9a%84%e6%9c%9f%e6%9c%9b","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e4%bf%9d%e9%99%a9%e5%ae%a2%e6%88%b7%e5%af%b9-2023-%e5%b9%b4%e5%8f%8a%e4%bb%a5%e5%90%8e%e7%9a%84%e6%9c%9f%e6%9c%9b\/","title":{"rendered":"\u4fdd\u9669\u5ba2\u6237\u5bf9 2023 \u5e74\u53ca\u4ee5\u540e\u7684\u671f\u671b"},"content":{"rendered":"\n<p>\u5feb\u5230 2023 \u5e74\u4e86\uff0c\u5ba2\u6237\u5bf9\u7b28\u62d9\u7684\u6570\u5b57\u4fdd\u9669\u4f53\u9a8c\u7684\u8010\u5fc3\u5df2\u7ecf\u8017\u5c3d\u3002<\/p>\n\n<p>\u5ba2\u6237\u5bf9\u5176\u4ed6\u5728\u7ebf\u4ea4\u6613\u548c\u4e1a\u52a1\u7684\u65e5\u5e38\u4f53\u9a8c\u73b0\u5728\u63a8\u52a8\u4e86\u4ed6\u4eec\u5bf9\u5728\u7ebf\u4fdd\u9669\u5206\u9500\u7684\u6700\u4f4e\u671f\u671b\u3002 \u4ed6\u4eec\u4e0d\u518d\u613f\u610f\u8d39\u529b\u5730\u6d4f\u89c8\u591a\u79cd\u8868\u683c\uff0c\u5230\u5904\u6536\u96c6\u4e00\u4e9b\u4fe1\u606f\uff0c\u7136\u540e\u653e\u5f03\u5c4f\u5e55\u6765\u83b7\u53d6\u62a5\u4ef7\u6216\u8fdb\u884c\u62a5\u9053\u3002<\/p>\n\n<p>\u4eca\u5929\u7684\u4fdd\u9669\u5ba2\u6237\u671f\u671b\u83b7\u5f97\u9488\u5bf9\u4ed6\u4eec\u7684\u9700\u6c42\u91cf\u8eab\u5b9a\u5236\u7684\u6700\u5148\u8fdb\u7684\u5728\u7ebf\u4f53\u9a8c\u3002 \u4ed6\u4eec\u671f\u671b\u83b7\u5f97\u4e2a\u6027\u5316\u7684\u670d\u52a1\u3002 \u5f53\u4ed6\u4eec\u6709\u7591\u95ee\u65f6\uff0c\u4ed6\u4eec\u5e0c\u671b\u7acb\u5373\u8054\u7cfb\u5230\u77e5\u8bc6\u6e0a\u535a\u7684\u4eba \u2014 \u4e00\u4e2a\u5df2\u7ecf\u719f\u6089\u4ed6\u4eec\u7684\u6570\u5b57\u4e4b\u65c5\u7684\u4eba\u3002<\/p>\n\n<p>\u6ee1\u8db3\u8fd9\u4e9b\u671f\u671b\u7684\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u5efa\u7acb\u66f4\u5f3a\u5927\u3001\u66f4\u5fe0\u8bda\u7684\u5ba2\u6237\u7fa4\u3002 \u90a3\u4e9b\u5931\u8d25\u7684\u4eba\u53ef\u4ee5\u9884\u671f\u5ba2\u6237\u4f1a\u5bfb\u627e\u5176\u4ed6\u5730\u65b9\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6700\u5148\u8fdb\u7684\u5728\u7ebf\u4f53\u9a8c<\/h2>\n\n<p>\u6700\u8fd1\u7684\u5927\u6d41\u884c\u6539\u53d8\u4e86\u5ba2\u6237\u7684\u5728\u7ebf\u4f53\u9a8c\u3002 \u4e0d\u65ad\u53d8\u5316\u7684\u4f53\u9a8c\u5bfc\u81f4\u5bf9\u672a\u6765\u5728\u7ebf\u4ea4\u6613\uff08\u5305\u62ec\u8d2d\u4e70\u4fdd\u9669\uff09\u7684\u671f\u671b\u53d1\u751f\u53d8\u5316\u3002<\/p>\n\n<p>\u201c\u968f\u7740 COVID-19 \u4f7f\u5927\u90e8\u5206\u4eba\u63a5\u89e6\u5230\u4e9a\u9a6c\u900a\u548c\u82f9\u679c\u7b49\u4e00\u6d41\u5728\u7ebf\u670d\u52a1\u7684\u4e50\u8da3\uff0c\u6d88\u8d39\u8005\u73b0\u5728\u5e0c\u671b\u6bcf\u5bb6\u516c\u53f8\u548c\u6bcf\u4e2a\u884c\u4e1a\u90fd\u80fd\u63d0\u4f9b\u76f8\u540c\u6c34\u5e73\u7684\u4e13\u4e1a\u670d\u52a1&#8230;&#8230;\u8fd9\u589e\u52a0\u4e86\u5bf9\u4e2a\u4eba\u4fdd\u9669\u7684\u671f\u671b\uff0c\u201c\u672a\u6765\u5b66\u5bb6 <a href=\"https:\/\/www.dataart.com\/blog\/how-insurance-companies-can-adopt-personalization-in-2021\" target=\"_blank\" rel=\"noreferrer noopener\">\u5409\u59c6\u5361\u7f57\u5c14<\/a>\u8bf4\u3002<\/p>\n\n<p>\u5f53\u6570\u5b57\u4f53\u9a8c\u826f\u597d\u65f6\uff0c\u5ba2\u6237\u5f88\u5feb\u5c31\u4f1a\u559c\u6b22\u5b83\u3002 \u4e00\u9879 <a href=\"https:\/\/www.fullstory.com\/blog\/digital-experience-stats\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u7814\u7a76<\/a> \u53d1\u73b0\uff0c55% \u7684\u5ba2\u6237\u66f4\u559c\u6b22\u6570\u5b57\u6e20\u9053\u800c\u4e0d\u662f\u4f20\u7edf\u6e20\u9053\uff0c\u4f8b\u5982\u7535\u8bdd\u6216\u9762\u5bf9\u9762\u8d2d\u7269\u9009\u9879\u3002 \u5728\u5e74\u8f7b\u8d2d\u7269\u8005\u4e2d\uff0c\u8fd9\u4e00\u6570\u5b57\u4e0a\u5347\u5230 68%\u3002 \u5982\u679c\u516c\u53f8\u4e0d\u63d0\u4f9b\u4ed6\u4eec\u559c\u6b22\u7684\u7ecf\u8425\u65b9\u5f0f\uff0c40% \u7684\u5ba2\u6237\u4f1a\u5728\u5176\u4ed6\u5730\u65b9\u8d2d\u7269\u3002<\/p>\n\n<p>\u201c\u5728\u5f53\u4eca\u7684\u4fdd\u9669\u5e02\u573a\u4e2d\uff0c\u4ec5\u4ec5\u63d0\u4f9b\u9ad8\u8d28\u91cf\u7684\u4ea7\u54c1\u548c\u670d\u52a1\u662f\u4e0d\u591f\u7684\u3002\u73b0\u5728\uff0c\u4fdd\u9669\u516c\u53f8\u9700\u8981\u63d0\u4f9b\u79ef\u6781\u7684\u6570\u5b57\u5ba2\u6237\u4f53\u9a8c\u201c\uff0c\u4e0e\u5927\u591a\u6570\u5ba2\u6237\u6bcf\u5929\u8bbf\u95ee\u7684\u7f51\u7ad9\uff08\u5982\u793e\u4ea4\u5a92\u4f53\uff09\u76f8\u5ab2\u7f8e\uff0c\u6301\u7eed\u4ea7\u54c1\u8bbe\u8ba1\u516c\u53f8 Quantum Metric \u7684\u884c\u4e1a\u8425\u9500\u548c\u91d1\u878d\u670d\u52a1\u603b\u76d1 <a href=\"https:\/\/www.dig-in.com\/opinion\/insurance-customer-experience-strategies-tech\" target=\"_blank\" rel=\"noreferrer noopener\">Kristina Leach<\/a> \u5199\u9053\u3002<\/p>\n\n<p>Amazon \u548c Facebook \u7b49\u7f51\u7ad9\u4e3a\u5ba2\u6237\u5bf9\u5728\u7ebf\u8d2d\u7269\u4f53\u9a8c\u7684\u671f\u671b\u8bbe\u5b9a\u4e86\u6807\u51c6\u3002 \u5305\u62ec\u4fdd\u9669\u516c\u53f8\u5728\u5185\u7684\u5176\u4ed6\u6240\u6709\u4eba\u90fd\u6709\u8d23\u4efb\u8fbe\u5230\u6216\u8d85\u8fc7\u8be5\u6807\u51c6\u3002<\/p>\n\n<p>\u5bfb\u6c42\u4e2a\u6027\u5316\u670d\u52a1\u7684\u4fdd\u9669\u5ba2\u6237\u603b\u662f\u6709\u4e00\u5b9a\u7684\u9009\u62e9\u3002 \u4f8b\u5982\uff0c\u4fdd\u9669\u4ee3\u7406\u4eba\u548c\u7ecf\u7eaa\u4eba\u901a\u5e38\u4e0e\u5ba2\u6237\u5efa\u7acb\u957f\u671f\u5173\u7cfb\uff0c\u4f7f\u4ed6\u4eec\u80fd\u591f\u63d0\u51fa\u91cf\u8eab\u5b9a\u5236\u7684\u5efa\u8bae\u3002 \u6280\u672f\u52a0\u901f\u4e86\u8fd9\u4e00\u8fc7\u7a0b\uff1a\u5982\u4eca\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u4f7f\u7528\u6570\u636e\u6765\u63d0\u4f9b\u4fdd\u9669\u4ee5\u6ee1\u8db3\u5ba2\u6237\u7684\u9700\u6c42\u3002<\/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\/couple-handshake-with-advisor-1024x684.jpg\" alt=\"\" class=\"wp-image-11684\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/couple-handshake-with-advisor-1024x684.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/couple-handshake-with-advisor-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/couple-handshake-with-advisor-768x513.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/couple-handshake-with-advisor.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u8d85\u4e2a\u6027\u5316\u670d\u52a1\u548c\u63a8\u8350<\/h2>\n\n<p>\u968f\u7740\u5728\u7ebf\u516c\u53f8\u5229\u7528\u6570\u636e\u5411\u5728\u7ebf\u5ba2\u6237\u63d0\u4f9b\u4e2a\u6027\u5316\u63a8\u8350\uff0c\u5ba2\u6237\u5f00\u59cb\u671f\u671b\u5728\u7ebf\u5efa\u7acb\u4e00\u5bf9\u4e00\u7684\u8054\u7cfb\uff0c\u5305\u62ec\u4e0e\u4fdd\u9669\u516c\u53f8\u7684\u8054\u7cfb\u3002<\/p>\n\n<p>\u5ba2\u6237\u671f\u671b\u83b7\u5f97\u4ec0\u4e48\u6837\u7684\u4e2a\u6027\u5316\u670d\u52a1\u548c\u5efa\u8bae\uff1f \u4e00\u4e2a\u4f8b\u5b50\u662f\u89e3\u51b3\u5bc6\u5207\u76f8\u5173\u9700\u6c42\u7684\u4fdd\u9669\u8303\u56f4\u3002 \u4f8b\u5982\uff0c\u6839\u636e\u7f8e\u56fd\u5ba0\u7269\u7528\u54c1\u534f\u4f1a\u7684\u4e00\u9879 <a href=\"https:\/\/www.pwc.com\/us\/en\/products\/customer-link\/data-insights-home-buying.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u8c03\u67e5<\/a>\uff0c2020 \u5e74\u65b0\u5ba0\u7269\u4e3b\u4eba\u4e2d\u6709 79% \u540e\u6765\u8d2d\u4e70\u4e86\u65b0\u4f4f\u5b85\uff0c\u4ed6\u4eec\u575a\u6301\u5bfb\u627e\u4e00\u4e2a\u65e2\u80fd\u6ee1\u8db3\u5ba0\u7269\u9700\u6c42\u53c8\u80fd\u6ee1\u8db3\u81ea\u5df1\u9700\u6c42\u7684\u5730\u65b9\u3002 \u6b63\u5982\u666e\u534e\u6c38\u9053\u6240\u6307\u51fa\u7684\uff0c\u77e5\u9053\u5ba2\u6237\u6709\u5ba0\u7269\u7684\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u5728\u623f\u4e3b\u4fdd\u9669\u548c\u5176\u4ed6\u7c7b\u578b\u7684\u4fdd\u9669\u65b9\u9762\u63d0\u4f9b\u4e2a\u6027\u5316\u7684\u670d\u52a1\u548c\u5efa\u8bae\u3002<\/p>\n\n<p>\u7531\u4e8e\u65b0\u51a0\u75ab\u60c5\u5bf9\u8fd9\u4e9b\u9700\u6c42\u7684\u5173\u6ce8\uff0c\u5ba2\u6237\u8fd8\u4f1a\u4f18\u5148\u8003\u8651\u4e0e\u5065\u5eb7\u548c\u5b89\u5168\u76f8\u5173\u7684\u5efa\u8bae\u3002 \u57c3\u68ee\u54f2\u9ad8\u7ea7\u8463\u4e8b\u603b\u7ecf\u7406\u517c\u5168\u7403\u4fdd\u9669\u8d1f\u8d23\u4eba <a href=\"https:\/\/insuranceblog.accenture.com\/data-driven-re-invention-makes-insurance-more-personal\" target=\"_blank\" rel=\"noreferrer noopener\">Kenneth Saldanha<\/a> \u8868\u793a\uff0c35 \u5c81\u4ee5\u4e0b\u7684\u5ba2\u6237\u5bf9\u63d0\u9ad8\u4ed6\u4eec\u5b89\u5168\u3001\u5065\u5eb7\u548c\u798f\u7949\u7684\u4e2a\u6027\u5316\u5efa\u8bae\u7279\u522b\u611f\u5174\u8da3\u3002<\/p>\n\n<p>\u5c3d\u7ba1\u65b0\u51a0\u75ab\u60c5\u4e0d\u518d\u50cf 2020 \u5e74\u90a3\u6837\u9020\u6210\u6050\u60e7\u548c\u4e0d\u786e\u5b9a\u6027\uff0c\u4f46\u5176\u4ed6\u81ea\u7136\u707e\u5bb3\u548c\u4e8b\u4ef6\u4f7f\u5ba2\u6237\u59cb\u7ec8\u5173\u6ce8\u5b89\u5168\u548c\u5065\u5eb7\u3002 \u4f8b\u5982\uff0c\u6155\u5c3c\u9ed1\u518d\u4fdd\u9669\u516c\u53f8\u9996\u5e2d\u6c14\u5019\u548c\u5730\u8d28\u79d1\u5b66\u5bb6 <a href=\"https:\/\/www.reuters.com\/markets\/commodities\/natural-disasters-cost-insurers-120-billion-2021-munich-re-says-2022-01-10\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6069\u65af\u7279\u00b7\u52b3\u8d6b \uff08Ernst Rauch<\/a>\uff09 \u8868\u793a\uff0c2021 \u5e74\u53d1\u751f\u7684\u5927\u91cf\u6076\u52a3\u5929\u6c14\u4e8b\u4ef6\u5f15\u53d1\u4e86\u4eba\u4eec\u5bf9\u672a\u6765\u5b89\u5168\u95ee\u9898\u7684\u62c5\u5fe7\uff0c\u56e0\u4e3a\u6c14\u5019\u53d8\u5316\u53ef\u80fd\u4f1a\u4f7f\u6b64\u7c7b\u5929\u6c14\u66f4\u6709\u53ef\u80fd\u53d1\u751f\u3002<\/p>\n\n<p>\u8fc7\u53bb\uff0c\u4fdd\u9669\u5ba2\u6237\u4ec5\u5c06\u4fdd\u9669\u89c6\u4e3a\u4fdd\u62a4\u5176\u8d22\u5bcc\u6216\u9632\u8303\u8d23\u4efb\u7684\u91d1\u878d\u5de5\u5177\u3002 \u5982\u679c\u66b4\u98ce\u96e8\u6467\u6bc1\u4e86\u4ed6\u4eec\u7684\u623f\u5b50\uff0c\u4fdd\u9669\u4f1a\u5e2e\u52a9\u4ed6\u4eec\u91cd\u5efa\u5bb6\u56ed;\u5982\u679c\u8bbf\u5ba2\u6ed1\u5012\uff0c\u4fdd\u9669\u53ef\u4ee5\u4fdd\u62a4\u4ed6\u4eec\u514d\u53d7\u8bc9\u8bbc\u8d39\u7528\u3002 \u7136\u800c\uff0c\u968f\u7740\u5ba2\u6237\u5bf9\u4e16\u754c\u7684\u770b\u6cd5\u53d1\u751f\u4e86\u53d8\u5316\uff0c\u4ed6\u4eec\u5bf9\u4fdd\u9669\u7684\u6001\u5ea6\u4e5f\u53d1\u751f\u4e86\u53d8\u5316\u3002<\/p>\n\n<p>\u201c\u4eca\u5929\uff0c\u6d88\u8d39\u8005\u5df2\u7ecf\u53d8\u5f97\u66f4\u52a0\u5305\u5bb9\uff0c\u9664\u4e86\u4f5c\u4e3a\u5b89\u5168\u7f51\u4e4b\u5916\uff0c\u4ed6\u4eec\u8fd8\u5173\u6ce8\u4fdd\u9669\u7684\u5176\u4ed6\u597d\u5904\uff0c\u201dNiva Bupa Health Insurance \u9ad8\u7ea7\u526f\u603b\u88c1\u517c\u8425\u9500\u4e3b\u7ba1 <a href=\"https:\/\/www.leadsquared.com\/industries\/insurance\/customer-experience-in-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Nimish Aggarwal<\/a> \u8bf4\u3002 \u5ba2\u6237\u5e0c\u671b\u4fdd\u9669\u4ee5\u66f4\u5168\u9762\u7684\u65b9\u5f0f\u89e3\u51b3\u4ed6\u4eec\u7684\u751f\u6d3b\u95ee\u9898\uff0c\u4ed6\u4eec\u5e0c\u671b\u4fdd\u9669\u516c\u53f8\u4f7f\u7528\u4ed6\u4eec\u7684\u6570\u636e\u6765\u63d0\u4f9b\u8fd9\u79cd\u652f\u6301\u3002<\/p>\n\n<p>\u5ba2\u6237\u5df2\u7ecf\u4f53\u9a8c\u5230\u4e86\u6570\u636e\u9a71\u52a8\u3001\u8d85\u4e2a\u6027\u5316\u670d\u52a1\u7684\u597d\u5904\uff0c\u56e0\u4e3a\u5b58\u5728\u63d0\u4f9b\u8fd9\u9879\u670d\u52a1\u7684\u5de5\u5177\u3002 \u4fdd\u9669\u516c\u53f8\u53d7\u76ca\u4e8e\u5229\u7528\u8fd9\u4e9b\u73b0\u6709\u5de5\u5177\u7684\u80fd\u529b\uff0c\u800c\u4ed6\u4eec\u9762\u4e34\u7740\u8d8a\u6765\u8d8a\u5927\u7684\u538b\u529b\u3002<\/p>\n\n<p><a href=\"https:\/\/hbr.org\/2022\/03\/customer-experience-in-the-age-of-ai\" target=\"_blank\" rel=\"noreferrer noopener\">David C. Edelman \u548c Mark Abraham<\/a> \u5728\u300a\u54c8\u4f5b\u5546\u4e1a\u8bc4\u8bba\u300b\u4e0a\u5199\u9053\uff1a\u201c\u6211\u4eec\u73b0\u5728\u6240\u5904\u7684\u9636\u6bb5\u662f\uff0c\u7ade\u4e89\u4f18\u52bf\u5c06\u6765\u81ea\u4e8e\u5927\u89c4\u6a21\u6355\u83b7\u3001\u5206\u6790\u548c\u5229\u7528\u4e2a\u6027\u5316\u5ba2\u6237\u6570\u636e\u7684\u80fd\u529b\uff0c\u4ee5\u53ca\u4f7f\u7528 AI \u6765\u7406\u89e3\u3001\u5851\u9020\u3001\u5b9a\u5236\u548c\u4f18\u5316\u5ba2\u6237\u65c5\u7a0b\u3002 \u4e3a\u4e86\u8ba9\u8fd9\u4e9b\u5de5\u5177\u53d1\u6325\u4f5c\u7528\uff0c\u4fdd\u9669\u516c\u53f8\u9700\u8981\u5c06\u5176\u6570\u5b57\u77e5\u8bc6\u548c\u5ba2\u6237\u7684\u89c2\u70b9\u878d\u5165\u5206\u9500\u7684\u5404\u4e2a\u65b9\u9762\u3002<\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/senior-couple-using-tablet-1024x683.jpg\" alt=\"\" class=\"wp-image-11674\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/senior-couple-using-tablet-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/senior-couple-using-tablet-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/senior-couple-using-tablet-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/senior-couple-using-tablet.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u4ece\u8ba1\u7b97\u673a\u5230\u4ee3\u7406\u7684\u65e0\u7f1d\u8fc7\u6e21<\/h2>\n\n<p>Deloitte \u7684 <a href=\"https:\/\/www2.deloitte.com\/xe\/en\/insights\/industry\/financial-services\/financial-services-industry-outlooks\/insurance-industry-outlook.html\" target=\"_blank\" rel=\"noreferrer noopener\">Gary Shaw<\/a> \u8868\u793a\uff0c\u63d0\u4f9b\u4ece\u6280\u672f\u5230\u4ee3\u7406\u4eba\u7684\u65e0\u7f1d\u8fc7\u6e21\u662f\u672a\u6765\u51e0\u5e74\u4fdd\u9669\u4e1a\u589e\u957f\u7684\u5173\u952e\u3002 \u5f53\u4fdd\u9669\u516c\u53f8\u901a\u8fc7\u81ea\u52a8\u5316\u7b80\u5316\u6280\u672f\u6d41\u7a0b\u5e76\u6539\u5584\u6280\u672f\u4e0e\u4eba\u5de5\u4ea4\u63a5\u65f6\uff0c\u4ed6\u4eec\u53ef\u4ee5\u6539\u5584\u5ba2\u6237\u4f53\u9a8c\uff0c\u540c\u65f6\u63d0\u9ad8\u81ea\u5df1\u7684\u540e\u7aef\u6d41\u7a0b\u6548\u7387\u3002<\/p>\n\n<p>\u65e0\u7f1d\u8fc7\u6e21\u4e5f\u5f88\u91cd\u8981\uff0c\u56e0\u4e3a\u5e76\u975e\u6bcf\u4e2a\u4fdd\u9669\u5ba2\u6237\u90fd\u4f1a\u5728\u7ebf\u5f00\u59cb\u6216\u8ffd\u6c42\u4ed6\u4eec\u7684\u4fdd\u9669\u4e4b\u65c5\u3002 J.D. Power \u4fdd\u9669\u60c5\u62a5\u603b\u76d1 <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2022-us-insurance-digital-experience-study\" target=\"_blank\" rel=\"noreferrer noopener\">Robert M. Lajdziak<\/a> \u8868\u793a\uff0c\u8bb8\u591a\u4eba\u4ecd\u7136\u9009\u62e9\u4eb2\u81ea\u81f4\u7535\u6216\u62dc\u8bbf\u4ee3\u7406\u4eba\uff0c\u800c\u4e0d\u662f\u4f7f\u7528\u6570\u5b57\u5de5\u5177\u548c\u5e73\u53f0\u3002 \u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u901a\u8fc7\u4e3a\u9762\u5411\u5ba2\u6237\u7684\u5458\u5de5\u548c\u4ee3\u7406\u4eba\u63d0\u4f9b\u652f\u6301 AI \u7684\u5de5\u5177\u6765\u7b80\u5316\u4ed6\u4eec\u7684\u5de5\u4f5c\uff0c\u4ece\u800c\u4fdd\u6301\u8fd9\u4e9b\u5ba2\u6237\u7684\u53c2\u4e0e\u5ea6\uff0c\u56e0\u6b64\u9762\u5bf9\u9762\u4f1a\u8bae\u6216\u7535\u8bdd\u4ea4\u8c08\u4e2d\u7684\u5404\u65b9\u90fd\u53ef\u4ee5\u4e13\u6ce8\u4e8e\u4eba\u7684\u56e0\u7d20\u3002<\/p>\n\n<p>\u8ba1\u7b97\u673a\u4ee3\u7406\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u4e5f\u6709\u52a9\u4e8e\u4fdd\u9669\u516c\u53f8\u66f4\u6709\u6548\u5730\u627f\u4fdd\uff0c\u8fd9\u5728\u8d39\u7387\u6ce2\u52a8\u4e0d\u53ef\u9884\u6d4b\u7684\u65f6\u4ee3\u662f\u4e00\u4e2a\u7279\u522b\u91cd\u8981\u7684\u529f\u80fd\u3002<\/p>\n\n<p>\u201c\u65b0\u7684\u4fdd\u9669\u5e02\u573a\u4ee5\u98ce\u9669\u5206\u6790\u4e3a\u57fa\u7840\uff0c\u201dWillis Towers Watson \u5317\u7f8e\u7ecf\u7eaa\u4e1a\u52a1\u4e3b\u7ba1 <a href=\"https:\/\/www.wtwco.com\/en-US\/Insights\/2021\/11\/insurance-marketplace-realities-2022-introduction-executive-summary\" target=\"_blank\" rel=\"noreferrer noopener\">Jon Drummond<\/a> \u5199\u9053\u3002 \u4eba\u5de5\u667a\u80fd\u548c\u5c16\u7aef\u6570\u636e\u5206\u6790\u53ef\u4ee5\u5e2e\u52a9\u4fdd\u9669\u516c\u53f8\u66f4\u6709\u6548\u5730\u5206\u6790\u98ce\u9669\u3002 \u7ed3\u679c\uff1a\u4fdd\u9669\u5ba2\u6237\u4e0d\u4ec5\u53ef\u4ee5\u83b7\u5f97\u6ee1\u8db3\u4ed6\u4eec\u9700\u6c42\u7684\u4fdd\u9669\u4ea7\u54c1\uff0c\u8fd8\u53ef\u4ee5\u83b7\u5f97\u8003\u8651\u5230\u5176\u72ec\u7279\u98ce\u9669\u72b6\u51b5\u7684\u627f\u4fdd\u8303\u56f4\u3002<\/p>\n\n<p>\u968f\u7740 AI \u5b9e\u73b0\u66f4\u597d\u7684\u6570\u636e\u5206\u6790\uff0c\u4e2a\u6027\u5316\u627f\u4fdd\u53ef\u80fd\u6210\u4e3a\u4e00\u79cd\u5b9e\u65f6\u9009\u9879\u3002 \u5ba2\u6237\u5c06\u80fd\u591f\u4ece\u5728\u7ebf\u6e20\u9053\u5207\u6362\u5230\u9762\u5bf9\u9762\u6e20\u9053\uff0c\u56e0\u4e3a\u4ed6\u4eec\u77e5\u9053\u5ba2\u6237\u670d\u52a1\u4eba\u5458\u3001\u4ee3\u7406\u4eba\u548c\u7ecf\u7eaa\u4eba\u53ef\u4ee5\u8bbf\u95ee\u4ed6\u4eec\u7684\u7279\u5b9a\u4fe1\u606f\u5e76\u63d0\u4f9b\u4e2a\u6027\u5316\u8986\u76d6\u548c\u4e2a\u6027\u5316\u63a8\u8350\u3002<\/p>\n\n<p>\u968f\u7740\u6211\u4eec\u8fdb\u5165 2023 \u5e74\uff0c\u5ba2\u6237\u5bf9\u6570\u5b57\u4fdd\u9669\u4ea4\u6613\u7684\u4f9d\u8d56\u4e0d\u592a\u53ef\u80fd\u51cf\u5c11\uff0c\u4ed6\u4eec\u7684\u671f\u671b\u5c06\u7ed9\u4fdd\u9669\u516c\u53f8\u5e26\u6765\u989d\u5916\u7684\u538b\u529b\u3002 \u5e78\u8fd0\u7684\u662f\uff0c\u91c7\u7528\u6570\u5b57\u5de5\u5177\u548c\u5e73\u53f0\u6765\u6ee1\u8db3\u5ba2\u6237\u671f\u671b\u548c\u9700\u6c42\u7684\u4fdd\u9669\u516c\u53f8\u3001\u4ee3\u7406\u4eba\u548c\u7ecf\u7eaa\u4eba\u4e5f\u83b7\u5f97\u4e86\u5b9e\u73b0\u81ea\u8eab\u4e1a\u52a1\u76ee\u6807\u7684\u673a\u4f1a\u3002<\/p>\n\n<p><em>\u56fe\u7247\u6765\u81ea\uff1a scyther5\/\u00a9123RF.com\uff0c rido\/\u00a9123RF.com\uff0c stockbroker\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5feb\u5230 2023 \u5e74\u4e86\uff0c\u5ba2\u6237\u5bf9\u7b28\u62d9\u7684\u6570\u5b57\u4fdd\u9669\u4f53\u9a8c\u7684\u8010\u5fc3\u5df2\u7ecf\u8017\u5c3d\u3002 \u5ba2\u6237\u5bf9\u5176\u4ed6\u5728\u7ebf\u4ea4\u6613\u548c\u4e1a\u52a1\u7684\u65e5\u5e38\u4f53\u9a8c\u73b0\u5728\u63a8\u52a8\u4e86\u4ed6 [&hellip;]<\/p>\n","protected":false},"featured_media":11695,"template":"","insight-category":[],"class_list":["post-18637","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight\/18637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media\/11695"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media?parent=18637"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight-category?post=18637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}