{"id":33696,"date":"2024-11-19T10:09:08","date_gmt":"2024-11-19T15:09:08","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e7%94%a8%e6%88%b7%e9%a9%b1%e5%8a%a8%e5%9e%8b%e6%8a%80%e6%9c%af%e5%a6%82%e4%bd%95%e5%9c%a8%e4%bf%9d%e9%99%a9%e7%a7%91%e6%8a%80%e4%b8%ad%e4%bd%bf%e7%94%a8\/"},"modified":"2024-11-19T10:09:16","modified_gmt":"2024-11-19T15:09:16","slug":"%e7%94%a8%e6%88%b7%e9%a9%b1%e5%8a%a8%e5%9e%8b%e6%8a%80%e6%9c%af%e5%a6%82%e4%bd%95%e5%9c%a8%e4%bf%9d%e9%99%a9%e7%a7%91%e6%8a%80%e4%b8%ad%e4%bd%bf%e7%94%a8","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e7%94%a8%e6%88%b7%e9%a9%b1%e5%8a%a8%e5%9e%8b%e6%8a%80%e6%9c%af%e5%a6%82%e4%bd%95%e5%9c%a8%e4%bf%9d%e9%99%a9%e7%a7%91%e6%8a%80%e4%b8%ad%e4%bd%bf%e7%94%a8\/","title":{"rendered":"\u7528\u6237\u9a71\u52a8\u578b\u6280\u672f\u5982\u4f55\u5728\u4fdd\u9669\u79d1\u6280\u4e2d\u4f7f\u7528"},"content":{"rendered":"\n<p>\u5ba2\u6237\u3001\u4ee3\u7406\u4eba\u548c\u4fdd\u9669\u516c\u53f8\u5458\u5de5\u5728\u4fdd\u9669\u754c\u4e00\u76f4\u53d1\u6325\u7740\u5173\u952e\u4f5c\u7528\u3002\u867d\u7136\u6280\u672f\u5e76\u6ca1\u6709\u6539\u53d8\u8fd9\u4e9b\u89d2\u8272\u7684\u57fa\u672c\u6027\u8d28\uff0c\u4f46\u5b83\u4e3a\u53c2\u4e0e\u8005\u63d0\u4f9b\u4e86\u8bb8\u591a\u6709\u7528\u7684\u5de5\u5177\uff0c\u8ba9\u4ed6\u4eec\u66f4\u8f7b\u677e\u3001\u66f4\u9ad8\u6548\u5730\u5c65\u884c\u81ea\u5df1\u7684\u89d2\u8272\u3002 <\/p>\n\n<p>\u5982\u4eca\uff0c\u7528\u6237\u9a71\u52a8\u7684\u6280\u672f\u4e3a\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u4e86\u5927\u91cf\u673a\u4f1a\uff0c\u4ee5\u66f4\u597d\u5730\u4e86\u89e3\u548c\u89e3\u51b3\u98ce\u9669\u3002\u901a\u8fc7\u4e0e\u7528\u6237\u9a71\u52a8\u6280\u672f\u7684\u521b\u5efa\u8005\u548c\u8be5\u6280\u672f\u7684\u7528\u6237\uff08\u5982\u5ba2\u6237\uff09\u5408\u4f5c\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u6536\u96c6\u66f4\u591a\u4fe1\u606f\u5e76\u66f4\u6709\u6548\u5730\u6267\u884c\u4efb\u52a1\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u7528\u6237\u9a71\u52a8\u7684\u6280\u672f\u548c\u4fdd\u9669\u6570\u5b57\u5316\u8f6c\u578b<\/h2>\n\n<p>\u5728\u6570\u5b57\u9769\u547d\u4e4b\u524d\uff0c\u4eba\u7c7b\u4ecd\u7136\u6709\u5404\u79cd\u5de5\u5177\u53ef\u7528\u4e8e\u5b8c\u6210\u67d0\u4e9b\u4efb\u52a1\u3002\u4f8b\u5982\uff0c\u4fdd\u9669\u516c\u53f8\u5982\u679c\u60f3\u66f4\u597d\u5730\u4e86\u89e3\u5728\u7279\u5b9a\u5730\u533a\u4e3a\u623f\u5c4b\u6216\u8f66\u8f86\u6295\u4fdd\u7684\u98ce\u9669\uff0c\u53ef\u4ee5\u67e5\u9605\u7edf\u8ba1\u6570\u636e\u6216\u8fdb\u884c\u81ea\u5df1\u7684\u793e\u533a\u8bbf\u95ee\u3002\u6570\u5b57\u6280\u672f\u5e76\u6ca1\u6709\u53d1\u660e\u5206\u6790\uff0c\u4f46\u5b83\u4eec\u4f7f\u8bb8\u591a\u5206\u6790\u65b9\u6cd5\u53d8\u5f97\u66f4\u52a0\u5bb9\u6613\u3002  <\/p>\n\n<p>\u4eca\u5929\uff0c\u4e0e\u4fdd\u9669\u76f8\u5173\u7684\u6280\u672f\u4f7f\u7528\u662f\u7531\u5ba2\u6237\u548c\u4fdd\u9669\u516c\u53f8\u63a8\u52a8\u7684\u3002\u4f8b\u5982\uff0c\u5ba2\u6237\u5e0c\u671b\u901a\u8fc7\u667a\u80fd\u624b\u673a\u548c\u8ba1\u7b97\u673a\u8f7b\u677e\u8054\u7cfb\u4fdd\u9669\u516c\u53f8\uff0c\u8fd9\u6539\u53d8\u4e86\u4fdd\u9669\u516c\u53f8\u548c\u4ee3\u7406\u4eba\u5bf9\u4fdd\u9669\u8303\u56f4\u5206\u914d\u7684\u6700\u4f73\u65b9\u5f0f\u7684\u770b\u6cd5\u3002 <\/p>\n\n<p>\u968f\u7740\u7528\u6237\u9a71\u52a8\u578b\u6280\u672f\u53d8\u5f97\u8d8a\u6765\u8d8a\u666e\u904d\uff0c\u5b83\u4e5f\u4e3a\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u4e86\u524d\u6240\u672a\u6709\u7684\u673a\u4f1a\u6765\u4e86\u89e3\u7279\u5b9a\u8f66\u8f86\u6216\u5efa\u7b51\u7269\u4e2d\u53d1\u751f\u7684\u4e8b\u60c5\u3002\u5b83\u8fd8\u63d0\u4f9b\u4e86\u5bf9\u5ba2\u6237\u884c\u4e3a\u7684\u65b0\u89c1\u89e3\u3002 <\/p>\n\n<p>\u4f8b\u5982\uff0c\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u53ef\u4ee5\u5168\u5929\u5019\u6536\u96c6\u4fe1\u606f\u3002\u56e0\u6b64\uff0c\u201c\u6211\u4eec\u6b63\u5728\u4ece\u53ca\u65f6\u5feb\u7167\u8f6c\u53d8\u4e3a\u5bf9\u5bb6\u4e2d\u53d1\u751f\u7684\u4e8b\u60c5\u8fdb\u884c\u6301\u7eed\u8bc4\u4f30\uff0c\u201dLexisNexis \u4fdd\u9669\u4ea7\u54c1\u6218\u7565\u3001\u8eab\u4efd\u7ba1\u7406\u548c IoT \u603b\u76d1 <a href=\"https:\/\/staceyoniot.com\/the-smart-home-will-change-insurance-but-it-will-take-time\/\" target=\"_blank\" rel=\"noreferrer noopener\">Dan Davis<\/a> \u8bf4\u3002 <\/p>\n\n<p>\u7531\u4e8e\u7528\u6237\u9a71\u52a8\u7684\u6280\u672f\u9700\u8981\u4e0e\u7528\u6237\u4e92\u52a8\uff0c\u56e0\u6b64\u8bb8\u591a\u6280\u672f\u8fd8\u9700\u8981\u5728\u4f7f\u7528\u8be5\u9879\u76ee\u7684\u5ba2\u6237\u4e0e\u5bfb\u6c42\u66f4\u597d\u5730\u4e86\u89e3\u5ba2\u6237\u72ec\u7279\u98ce\u9669\u76f8\u5173\u6311\u6218\u7684\u4fdd\u9669\u516c\u53f8\u4e4b\u95f4\u5efa\u7acb\u5173\u7cfb\u3002\u4f7f\u7528\u8fd9\u4e9b\u6280\u672f\u5efa\u7acb\u6b63\u786e\u7684\u5ba2\u6237\u5173\u7cfb\u53ef\u4ee5\u5e2e\u52a9\u5ba2\u6237\u505a\u51fa\u66f4\u597d\u7684\u9009\u62e9\u6765\u51cf\u8f7b\u6216\u6d88\u9664\u98ce\u9669\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\/smart-home-on-tablet-1024x683.jpg\" alt=\"&#x6570;&#x5B57;&#x5E73;&#x677F;&#x7535;&#x8111;&#x4E0A;&#x7684;&#x4EBA;&#x5458;&#x76D1;&#x63A7;&#x667A;&#x80FD;&#x5BB6;&#x5C45;\" class=\"wp-image-10516\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-home-on-tablet-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-home-on-tablet-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-home-on-tablet-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-home-on-tablet.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u4fdd\u9669\u79d1\u6280\u4e2d\u6709\u54ea\u4e9b\u7528\u6237\u9a71\u52a8\u7684\u6280\u672f\uff1f<\/h2>\n\n<p>\u672f\u8bed\u7528\u6237\u9a71\u52a8\u6280\u672f\u53ef\u4ee5\u5e7f\u4e49\u5730\u5b9a\u4e49\u4e3a\u4f9d\u8d56\u7528\u6237\u4ea4\u4e92\u548c\u53cd\u9988\u6765\u5b9e\u73b0\u5176\u9884\u671f\u76ee\u7684\u7684\u4efb\u4f55\u6280\u672f\u3002\u5728\u4fdd\u9669\u9886\u57df\uff0c\u7528\u6237\u9a71\u52a8\u7684\u6280\u672f\u901a\u5e38\u662f\u7531\u4fdd\u9669\u516c\u53f8\u4ee5\u5916\u7684\u53c2\u4e0e\u8005\uff08\u4f8b\u5982\u5ba2\u6237\u3001\u4ee3\u7406\u4eba\u548c\u7406\u7b97\u5458\uff09\u638c\u63e1\u7684\u6280\u672f\u3002\u56e0\u6b64\uff0c\u8fd0\u8425\u5546\u9762\u4e34\u7684\u6311\u6218\u5728\u4e8e\u5efa\u7acb\u9f13\u52b1\u8fd9\u4e9b\u6280\u672f\u7684\u6700\u4f73\u5e94\u7528\u7684\u5173\u7cfb\uff0c\u4ee5\u53ca\u4f7f\u7528\u6280\u672f\u672c\u8eab\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u667a\u80fd\u624b\u673a<\/h3>\n\n<p>\u667a\u80fd\u624b\u673a\u98ce\u9761\u5168\u7403\u3002 <a href=\"https:\/\/www.statista.com\/topics\/2711\/us-smartphone-market\/#topicHeader__wrapper\" target=\"_blank\" rel=\"noreferrer noopener\">Statista<\/a> \u7684\u6570\u636e\u4f30\u8ba1\uff0c\u5230 2021 \u5e74\uff0c85% \u7684\u7f8e\u56fd\u6210\u5e74\u4eba\u62e5\u6709\u667a\u80fd\u624b\u673a\uff0c\u800c 2011 \u5e74\u53ea\u6709 35%\u3002 <\/p>\n\n<p>\u667a\u80fd\u624b\u673a\u7684\u4ef7\u503c\u5728\u4e8e\u5ba2\u6237\u5982\u4f55\u4f7f\u7528\u8be5\u6280\u672f\u4e0e\u4fdd\u9669\u516c\u53f8\u4e92\u52a8\u3002\u8bbf\u95ee\u4fdd\u9669\u516c\u53f8\u7684\u79fb\u52a8\u7f51\u7ad9\u6216\u5e94\u7528\u7a0b\u5e8f\u53ea\u662f\u4e00\u4e2a\u4f8b\u5b50\u3002\u53e6\u4e00\u4e2a\u662f\u8fdc\u7a0b\u4fe1\u606f\u5904\u7406\u7b49\u667a\u80fd\u8bbe\u5907\u7684\u7ba1\u7406\u3002  <\/p>\n\n<p>\u201c\u7528\u4e8e\u76f4\u63a5\u76d1\u63a7\u9a7e\u9a76\u884c\u4e3a\u7684\u8f66\u8f86\u8fdc\u7a0b\u4fe1\u606f\u5904\u7406\u3001\u96c6\u6210\u5bfc\u822a\u4ee5\u53ca\u8ba1\u7b97\u673a\u548c\u79fb\u52a8\u901a\u4fe1\u6280\u672f\u4f7f\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u4f7f\u7528\u771f\u6b63\u7684\u56e0\u679c\u98ce\u9669\u56e0\u7d20\u6765\u51c6\u786e\u8bc4\u4f30\u98ce\u9669\u5e76\u5236\u5b9a\u7cbe\u786e\u7684 UBI [usage-based insurance] \u8bc4\u7ea7\u8ba1\u5212\uff0c\u201d <a href=\"https:\/\/content.naic.org\/sites\/default\/files\/inline-files\/cipr_study_150324_usage_based_insurance_and_vehicle_telematics_study_series_1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Dimitris Karapiperis<\/a> \u548c\u5168\u56fd\u4fdd\u9669\u4e13\u5458\u534f\u4f1a \uff08NAIC\uff09 \u7684\u7814\u7a76\u5458\u5199\u9053\u3002<\/p>\n\n<p>\u5ba2\u6237\u4e5f\u6709\u5174\u8da3\u66f4\u591a\u5730\u4e86\u89e3\u81ea\u5df1\u7684\u9a7e\u9a76\u4e60\u60ef\u3002\u4f7f\u7528\u5ba2\u6237\u53ef\u4ee5\u901a\u8fc7\u667a\u80fd\u624b\u673a\u8fde\u63a5\u7684\u8fdc\u7a0b\u4fe1\u606f\u5904\u7406\u53ef\u4ee5\u8ba9\u4fdd\u9669\u516c\u53f8\u66f4\u597d\u5730\u4e86\u89e3\u98ce\u9669\uff0c\u540c\u65f6\u8fd8\u53ef\u4ee5\u4e0e\u5ba2\u6237\u5efa\u7acb\u66f4\u7d27\u5bc6\u7684\u5173\u7cfb\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u65e0\u4eba \u673a<\/h3>\n\n<p>\u5f53\u65e0\u4eba\u673a\u9996\u6b21\u4e3a\u4e2a\u4eba\u548c\u4f01\u4e1a\u63d0\u4f9b\u65f6\uff0c\u5b83\u4eec\u627f\u8bfa\u4e86\u8bb8\u591a\u597d\u5904\uff0c\u5c24\u5176\u662f\u5728\u4fdd\u9669\u65b9\u9762\u3002\u5982\u4eca\uff0c\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u5728\u591a\u79cd\u60c5\u51b5\u4e0b\u4f7f\u7528\u65e0\u4eba\u673a\u4f5c\u4e3a\u66f4\u5b89\u5168\u3001\u66f4\u6709\u6548\u7684\u66ff\u4ee3\u65b9\u6848\u3002 <\/p>\n\n<p>State Farm \u53d1\u8a00\u4eba <a href=\"https:\/\/www.claimsjournal.com\/news\/national\/2021\/04\/30\/303458.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u6234\u592b\u00b7\u83f2\u5229\u666e\u65af \uff08Dave Phillips<\/a>\uff09 \u8868\u793a\uff0cState Farm \u4e8e 2015 \u5e74\u5f00\u59cb\u4f7f\u7528\u65e0\u4eba\u673a\u68c0\u67e5\u5efa\u7b51\u7269\u7684\u5c4b\u9876\uff0c\u5e76\u5728\u7d22\u8d54\u8fc7\u7a0b\u4e2d\u8bc4\u4f30\u707e\u96be\u6027\u635f\u5931\u3002<\/p>\n\n<p>\u65e0\u4eba\u673a\u68c0\u67e5\u5c4b\u9876\u6bd4\u6d3e\u4eba\u4e0a\u53bb\u66f4\u5b89\u5168\u3002\u5b83\u4e5f\u53ef\u4ee5\u66f4\u5feb\uff0c\u56e0\u4e3a\u65e0\u4eba\u673a\u53ef\u4ee5\u6bd4\u4eba\u79fb\u52a8\u5f97\u66f4\u5feb\uff0c\u5e76\u4e14\u53ef\u4ee5\u5728\u5934\u9876\u4e0a\u8f7b\u677e\u5730\u4ece\u4e00\u4e2a\u5730\u65b9\u5207\u6362\u5230\u53e6\u4e00\u4e2a\u5730\u65b9\u3002Drone Software Canada \u7684\u8054\u5408\u521b\u59cb\u4eba <a href=\"https:\/\/www.canadianunderwriter.ca\/insurance\/flying-high-drone-use-in-insurance-1004212510\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kabir Shaal<\/a> \u8bf4\uff0c\u51e0\u67b6\u65e0\u4eba\u673a\u751a\u81f3\u53ef\u4ee5\u534f\u540c\u4f7f\u7528\uff0c\u5728\u76f8\u540c\u7684\u65f6\u95f4\u5185\u6536\u96c6\u66f4\u591a\u4fe1\u606f\u3002  <\/p>\n\n<p>\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u5f88\u5feb\u5c31\u4f1a\u66f4\u5bb9\u6613\u4f7f\u7528\u65e0\u4eba\u673a\u30022021 \u5e74\uff0c <a href=\"https:\/\/www.faa.gov\/uas\/commercial_operators\/operations_over_people\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f8e\u56fd\u8054\u90a6\u822a\u7a7a\u7ba1\u7406\u5c40 \uff08Federal Aviation Administration\uff09<\/a> \u5ba3\u5e03\u66f4\u65b0\u5176 Operations Over People \u89c4\u5219\uff0c\u8be5\u89c4\u5219\u89c4\u5b9a\u4e86\u5728\u65e0\u4eba\u673a\u4ece\u5929\u800c\u964d\u53ef\u80fd\u9020\u6210\u4f24\u5bb3\u7684\u533a\u57df\u4f7f\u7528\u65e0\u4eba\u673a\u3002\u9664\u5176\u4ed6\u5916\uff0c\u8be5\u89c4\u5219\u4f7f\u4fdd\u9669\u516c\u53f8\u66f4\u5bb9\u6613\u4f7f\u7528\u65e0\u4eba\u673a\u67e5\u770b\u96be\u4ee5\u5230\u8fbe\u7684\u533a\u57df\uff0c\u4ee5\u8fdb\u884c\u98ce\u9669\u8bc4\u4f30\u548c\u7d22\u8d54\u5206\u6790\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907<\/h3>\n\n<p>\u6b63\u5982\u667a\u80fd\u624b\u673a\u63a7\u5236\u7684\u8fdc\u7a0b\u4fe1\u606f\u5904\u7406\u4f7f\u5ba2\u6237\u548c\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u66f4\u597d\u5730\u4e86\u89e3\u9a7e\u9a76\u884c\u4e3a\u4e00\u6837\uff0c\u667a\u80fd\u624b\u673a\u63a7\u5236\u7684\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u4f7f\u5ba2\u6237\u548c\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u66f4\u597d\u5730\u4e86\u89e3\u4e0e\u623f\u5c4b\u6240\u6709\u6743\u76f8\u5173\u7684\u98ce\u9669\u3002<\/p>\n\n<p>\u66f4\u597d\u5730\u4e86\u89e3\u98ce\u9669\u53ef\u4ee5\u66f4\u597d\u5730\u7f13\u89e3\u98ce\u9669\u3002\u201c\u76f8\u673a\u3001\u667a\u80fd\u8bbe\u5907\uff08\u5982\u53ef\u7a7f\u6234\u8bbe\u5907\u3001\u624b\u8868\u6216\u624b\u673a\uff09\uff0c\u751a\u81f3\u662f\u914d\u5907\u4f20\u611f\u5668\u7684\u667a\u80fd\u6c7d\u8f66&#8230;&#8230;\u516c\u53f8\u6b63\u5728\u5229\u7528\u5b83\u6765\u964d\u4f4e\u4e0e\u6c34\u3001\u706b\u707e\u3001\u76d7\u7a83\u3001\u6c7d\u8f66\u4e8b\u6545\u548c\u5de5\u4eba\u53d7\u4f24\u76f8\u5173\u7684\u98ce\u9669\uff0c\u201cThe Hartford \u7269\u8054\u7f51\u521b\u65b0\u5b9e\u9a8c\u5ba4\u8d1f\u8d23\u4eba <a href=\"https:\/\/riskandinsurance.com\/sponsored-how-connected-devices-are-changing-the-future-of-risk-and-what-that-means-for-an-insureds-claims-mitigation-process\/\" target=\"_blank\" rel=\"noreferrer noopener\">Dan Campany<\/a> \u8bf4\u3002 <\/p>\n\n<p>\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\uff0c\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u53ef\u80fd\u4f1a\u5b8c\u5168\u9632\u6b62\u635f\u574f\u3002\u4f8b\u5982\uff0c\u68c0\u6d4b\u6e7f\u5ea6\u6c34\u5e73\u4ee5\u542f\u52a8\u6c61\u6c34\u6cf5\u7684\u81ea\u52a8\u4f20\u611f\u5668\u53ef\u4ee5\u901a\u8fc7\u5728\u95ee\u9898\u53d1\u751f\u4e4b\u524d\u89e3\u51b3\u95ee\u9898\u6765\u5e2e\u52a9\u9632\u6b62\u5730\u4e0b\u5ba4\u6d2a\u6c34\u3002 <\/p>\n\n<p>Campany \u8bf4\uff0c\u50cf The Hartford \u8fd9\u6837\u7684\u4fdd\u9669\u516c\u53f8\u5bf9\u8fd9\u4e9b\u8bbe\u5907\u5982\u4f55\u5bf9\u5ba2\u6237\u548c\u4fdd\u9669\u516c\u53f8\u5b9e\u7528\u7279\u522b\u611f\u5174\u8da3\u3002\u901a\u8fc7\u8003\u8651\u5ba2\u6237\u9700\u6c42\u548c\u635f\u5931\u4fe1\u606f\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u5c06\u667a\u80fd\u5bb6\u5c45\u8bbe\u5907\u5de5\u4f5c\u96c6\u4e2d\u5728\u5ba2\u6237\u548c\u4fdd\u9669\u516c\u53f8\u6700\u53d7\u76ca\u7684\u5730\u65b9\u3002 <\/p>\n\n<p>\u4fdd\u9669\u5ba2\u6237\uff0c\u5c24\u5176\u662f\u5e74\u8f7b\u7fa4\u4f53\u7684\u4fdd\u9669\u5ba2\u6237\uff0c\u5bf9\u4e2a\u6027\u5316\u9009\u9879\u611f\u5174\u8da3\u3002\u57c3\u68ee\u54f2 2021 \u5e74\u7684\u4e00\u9879\u7814\u7a76\u201c\u8868\u660e\uff0c\u867d\u7136\u6bcf\u4e2a\u5e74\u9f84\u6bb5\u7684\u4eba\u90fd\u5bf9\u5e2e\u52a9\u4ed6\u4eec\u505a\u51fa\u66f4\u5b89\u5168\u3001\u66f4\u5065\u5eb7\u3001\u66f4\u53ef\u6301\u7eed\u7684\u9009\u62e9\u7684\u6570\u5b57\u4ea7\u54c1\u8d8a\u6765\u8d8a\u611f\u5174\u8da3\uff0c\u4f46\u8d8a\u6765\u8d8a\u591a\u7684 34 \u5c81\u53ca\u4ee5\u4e0b\u7684\u6d88\u8d39\u8005\u8868\u793a\u4ed6\u4eec\u5e0c\u671b\u83b7\u5f97\u8fd9\u79cd\u5e2e\u52a9\uff0c\u201d\u57c3\u68ee\u54f2\u9ad8\u7ea7\u8463\u4e8b\u603b\u7ecf\u7406 <a href=\"https:\/\/insuranceblog.accenture.com\/data-driven-re-invention-makes-insurance-more-personal\" target=\"_blank\" rel=\"noreferrer noopener\">Kenneth Saldanha<\/a> \u5199\u9053\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\/smart-home-control-1024x684.jpg\" alt=\"&#x5973;&#x58EB;&#x4F7F;&#x7528;&#x5177;&#x6709;&#x73B0;&#x4EE3;&#x6241;&#x5E73;&#x8BBE;&#x8BA1;&#x754C;&#x9762;&#x7684;&#x73B0;&#x4EE3;&#x79FB;&#x52A8;&#x5E94;&#x7528;&#x7A0B;&#x5E8F;&#x6765;&#x63A7;&#x5236;&#x5BB6;&#x5EAD;&#x5B89;&#x5168;\" class=\"wp-image-10526\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-home-control-1024x684.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-home-control-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-home-control-768x513.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smart-home-control.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u56f4\u7ed5\u7528\u6237\u9a71\u52a8\u7684\u6280\u672f\u5efa\u7acb\u4ee5\u5ba2\u6237\u4e3a\u4e2d\u5fc3\u7684\u6587\u5316<\/h2>\n\n<p>\u6839\u636e\u632a\u5a01\u5317\u6781\u5927\u5b66\u7684 <a href=\"https:\/\/www.researchgate.net\/publication\/331886235_User-driven_innovation_and_technology-use_in_public_health_and_social_care_A_systematic_review_of_existing_evidence\" target=\"_blank\" rel=\"noreferrer noopener\">Hong Zhu \u548c Synn\u00f8ve Thomassen Andersen<\/a> \u7684\u4e00\u9879\u7814\u7a76\uff0c\u5f00\u53d1\u548c\u5b9e\u65bd\u7528\u6237\u9a71\u52a8\u7684\u6280\u672f\u9762\u4e34\u4e24\u4e2a\u91cd\u5927\u6311\u6218\u3002\u8fd9\u4e9b\u6311\u6218\u662f\u5982\u4f55\u6700\u597d\u5730\u8ba9\u7528\u6237\u53c2\u4e0e\u8fdb\u6765\uff0c\u4ee5\u53ca\u5982\u4f55\u5c06\u83b7\u5f97\u7684\u77e5\u8bc6\u6574\u5408\u5230\u6280\u672f\u90e8\u7f72\u8fc7\u7a0b\u4e2d\u3002 <\/p>\n\n<p>\u5bfb\u6c42\u5ba2\u6237\u53cd\u9988\u662f\u4e3a\u5f00\u53d1\u4eba\u5458\u521b\u5efa\u7528\u6237\u9a71\u52a8\u578b\u6280\u672f\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\u3002\u5c3d\u7ba1\u5982\u6b64\uff0c\u4e0d\u5f00\u53d1\u81ea\u5df1\u6280\u672f\u7684\u4fdd\u9669\u516c\u53f8\u4e5f\u53ef\u4ee5\u4ece\u5173\u6ce8\u7528\u6237\u53cd\u9988\u4e2d\u53d7\u76ca\uff0c\u56e0\u4e3a\u5b83\u4e0e\u4fdd\u9669\u4f53\u9a8c\u6709\u5173\u3002 <\/p>\n\n<p>\u6709\u65f6\u5bfb\u6c42\u53cd\u9988\u5c31\u50cf\u5b9e\u65bd\u865a\u62df\u610f\u89c1\u7bb1\u4e00\u6837\u7b80\u5355\u3002\u5f53 Hily \u7ea6\u4f1a\u5e94\u7528\u7a0b\u5e8f\u548c Taimi \u5e73\u53f0\u521b\u59cb\u4eba <a href=\"https:\/\/www.forbes.com\/sites\/forbestechcouncil\/2020\/04\/15\/five-things-to-know-about-building-a-user-driven-app\/?sh=277ec0676779\" target=\"_blank\" rel=\"noreferrer noopener\">Alex Pasykov<\/a> \u4e3a\u5e94\u7528\u7a0b\u5e8f\u6dfb\u52a0\u529f\u80fd\u8bf7\u6c42\u8868\u65f6\uff0c\u4ed6\u8bf4\u8fd9\u201c\u5bf9\u6211\u4eec\u4e0e\u7528\u6237\u7684\u6c9f\u901a\u4ea7\u751f\u4e86\u5de8\u5927\u5f71\u54cd\u3002\u5b83\u8fd8\u4e3a\u6211\u4eec\u56e2\u961f\u7684\u8fd0\u4f5c\u65b9\u5f0f\u5e26\u6765\u4e86\u91cd\u5927\u53d8\u5316\u3002 <\/p>\n\n<p>\u529f\u80fd\u8bf7\u6c42\u529f\u80fd\u5e2e\u52a9 Pasykov \u548c\u5e94\u7528\u56e2\u961f\u4e13\u6ce8\u4e8e\u5c06\u7528\u6237\u89c6\u89d2\u7eb3\u5165\u7528\u6237\u9a71\u52a8\u578b\u6280\u672f\u7684\u51e0\u4e2a\u5173\u952e\u8981\u7d20\u3002\u8fd9\u4e9b\u5305\u62ec\uff1a <\/p>\n\n<ul 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\u89e3\u91ca\u9053\u3002<\/p>\n\n<p>\u5373\u4f7f\u76f8\u5173\u6280\u672f\u4e0d\u662f\u7531\u4fdd\u9669\u516c\u53f8\u5f00\u53d1\u7684\uff0c\u4e5f\u53ef\u4ee5\u5b9e\u73b0\u7528\u6237\u7684\u79ef\u6781\u53c2\u4e0e\u3002\u4f8b\u5982\uff0c\u901a\u8fc7\u8be2\u95ee\u5ba2\u6237\u5982\u4f55\u4f7f\u7528\u667a\u80fd\u5bb6\u5c45\u4f20\u611f\u5668\u7b49\u6280\u672f\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u627e\u5230\u66f4\u6709\u6548\u7684\u65b9\u6cd5\u6765\u6574\u5408\u8fd9\u4e9b\u5de5\u5177\uff0c\u8c03\u6574\u4ed6\u4eec\u63d0\u4f9b\u548c\u9f13\u52b1\u4f7f\u7528\u8fd9\u4e9b\u5de5\u5177\u7684\u65b9\u6cd5\uff0c\u5e76\u5c31\u5982\u4f55\u5e2e\u52a9\u5ba2\u6237\u548c\u4ee3\u7406\u4eba\u5c06\u7528\u6237\u9a71\u52a8\u7684\u6280\u672f\u7eb3\u5165\u4fdd\u9669\u6d41\u7a0b\u5f62\u6210\u66f4\u6e05\u6670\u7684\u613f\u666f\u3002\u7ed3\u679c\u53ef\u4ee5\u4e3a\u6bcf\u4e2a\u4eba\u63d0\u4f9b\u66f4\u597d\u7684\u4f53\u9a8c\u3002  <\/p>\n\n<p><em>\u56fe\u7247\u6765\u81ea\uff1a rh2010\/\u00a9123RF.com\uff0c andreypopov\/\u00a9123RF.com\uff0c vlado85\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5ba2\u6237\u3001\u4ee3\u7406\u4eba\u548c\u4fdd\u9669\u516c\u53f8\u5458\u5de5\u5728\u4fdd\u9669\u754c\u4e00\u76f4\u53d1\u6325\u7740\u5173\u952e\u4f5c\u7528\u3002\u867d\u7136\u6280\u672f\u5e76\u6ca1\u6709\u6539\u53d8\u8fd9\u4e9b\u89d2\u8272\u7684\u57fa\u672c\u6027\u8d28\uff0c\u4f46\u5b83\u4e3a\u53c2\u4e0e\u8005\u63d0\u4f9b\u4e86 [&hellip;]<\/p>\n","protected":false},"featured_media":10507,"template":"","insight-category":[],"class_list":["post-33696","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight\/33696","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\/10507"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media?parent=33696"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight-category?post=33696"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}