{"id":33709,"date":"2024-11-19T10:09:16","date_gmt":"2024-11-19T15:09:16","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e7%94%a8%e6%88%b6%e9%a9%85%e5%8b%95%e5%9e%8b%e6%8a%80%e8%a1%93%e5%a6%82%e4%bd%95%e5%9c%a8%e4%bf%9d%e9%9a%aa%e7%a7%91%e6%8a%80%e4%b8%ad%e4%bd%bf%e7%94%a8\/"},"modified":"2024-11-19T10:09:17","modified_gmt":"2024-11-19T15:09:17","slug":"%e7%94%a8%e6%88%b6%e9%a9%85%e5%8b%95%e5%9e%8b%e6%8a%80%e8%a1%93%e5%a6%82%e4%bd%95%e5%9c%a8%e4%bf%9d%e9%9a%aa%e7%a7%91%e6%8a%80%e4%b8%ad%e4%bd%bf%e7%94%a8","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e7%94%a8%e6%88%b6%e9%a9%85%e5%8b%95%e5%9e%8b%e6%8a%80%e8%a1%93%e5%a6%82%e4%bd%95%e5%9c%a8%e4%bf%9d%e9%9a%aa%e7%a7%91%e6%8a%80%e4%b8%ad%e4%bd%bf%e7%94%a8\/","title":{"rendered":"\u7528\u6236\u9a45\u52d5\u578b\u6280\u8853\u5982\u4f55\u5728\u4fdd\u96aa\u79d1\u6280\u4e2d\u4f7f\u7528"},"content":{"rendered":"\n<p>\u5ba2\u6236\u3001\u4ee3\u7406\u4eba\u548c\u4fdd\u96aa\u516c\u53f8\u54e1\u5de5\u5728\u4fdd\u96aa\u754c\u4e00\u76f4\u767c\u63ee\u8457\u95dc\u9375\u4f5c\u7528\u3002\u96d6\u7136\u6280\u8853\u4e26\u6c92\u6709\u6539\u8b8a\u9019\u4e9b\u89d2\u8272\u7684\u57fa\u672c\u6027\u8cea\uff0c\u4f46\u5b83\u70ba\u53c3\u8207\u8005\u63d0\u4f9b\u4e86\u8a31\u591a\u6709\u7528\u7684\u5de5\u5177\uff0c\u8b93\u4ed6\u5011\u66f4\u8f15\u9b06\u3001\u66f4\u9ad8\u6548\u5730\u5c65\u884c\u81ea\u5df1\u7684\u89d2\u8272\u3002 <\/p>\n\n<p>\u5982\u4eca\uff0c\u4f7f\u7528\u8005\u9a45\u52d5\u7684\u6280\u8853\u70ba\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u4e86\u5927\u91cf\u6a5f\u6703\uff0c\u4ee5\u66f4\u597d\u5730\u77ad\u89e3\u548c\u89e3\u6c7a\u98a8\u96aa\u3002\u901a\u904e\u8207\u4f7f\u7528\u8005\u9a45\u52d5\u6280\u8853\u7684\u5efa\u7acb\u8005\u548c\u8a72\u6280\u8853\u7684\u4f7f\u7528\u8005\uff08\u5982\u5ba2\u6236\uff09\u5408\u4f5c\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u6536\u96c6\u66f4\u591a\u8cc7\u8a0a\u4e26\u66f4\u6709\u6548\u5730\u57f7\u884c\u4efb\u52d9\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u7528\u6236\u9a45\u52d5\u7684\u6280\u8853\u548c\u4fdd\u96aa\u6578\u5b57\u5316\u8f49\u578b<\/h2>\n\n<p>\u5728\u6578\u4f4d\u9769\u547d\u4e4b\u524d\uff0c\u4eba\u985e\u4ecd\u7136\u6709\u5404\u7a2e\u5de5\u5177\u53ef\u7528\u65bc\u5b8c\u6210\u67d0\u4e9b\u4efb\u52d9\u3002\u4f8b\u5982\uff0c\u4fdd\u96aa\u516c\u53f8\u5982\u679c\u60f3\u66f4\u597d\u5730\u77ad\u89e3\u5728\u7279\u5b9a\u5730\u5340\u70ba\u623f\u5c4b\u6216\u8eca\u8f1b\u6295\u4fdd\u7684\u98a8\u96aa\uff0c\u53ef\u4ee5\u67e5\u95b1\u7d71\u8a08\u6578\u64da\u6216\u9032\u884c\u81ea\u5df1\u7684\u793e\u5340\u8a2a\u554f\u3002\u6578\u5b57\u6280\u8853\u4e26\u6c92\u6709\u767c\u660e\u5206\u6790\uff0c\u4f46\u5b83\u5011\u4f7f\u8a31\u591a\u5206\u6790\u65b9\u6cd5\u8b8a\u5f97\u66f4\u52a0\u5bb9\u6613\u3002  <\/p>\n\n<p>\u4eca\u5929\uff0c\u8207\u4fdd\u96aa\u76f8\u95dc\u7684\u6280\u8853\u4f7f\u7528\u662f\u7531\u5ba2\u6236\u548c\u4fdd\u96aa\u516c\u53f8\u63a8\u52d5\u7684\u3002\u4f8b\u5982\uff0c\u5ba2\u6236\u5e0c\u671b\u901a\u904e\u667a\u6167\u624b\u6a5f\u548c\u8a08\u7b97\u6a5f\u8f15\u9b06\u806f\u7e6b\u4fdd\u96aa\u516c\u53f8\uff0c\u9019\u6539\u8b8a\u4e86\u4fdd\u96aa\u516c\u53f8\u548c\u4ee3\u7406\u4eba\u5c0d\u4fdd\u96aa\u7bc4\u570d\u5206\u914d\u7684\u6700\u4f73\u65b9\u5f0f\u7684\u770b\u6cd5\u3002 <\/p>\n\n<p>\u96a8\u8457\u4f7f\u7528\u8005\u9a45\u52d5\u578b\u6280\u8853\u8b8a\u5f97\u8d8a\u4f86\u8d8a\u666e\u904d\uff0c\u5b83\u4e5f\u70ba\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u4e86\u524d\u6240\u672a\u6709\u7684\u6a5f\u6703\u4f86\u77ad\u89e3\u7279\u5b9a\u8eca\u8f1b\u6216\u5efa\u7bc9\u7269\u4e2d\u767c\u751f\u7684\u4e8b\u60c5\u3002\u5b83\u9084\u63d0\u4f9b\u4e86\u5c0d\u5ba2\u6236\u884c\u70ba\u7684\u65b0\u898b\u89e3\u3002 <\/p>\n\n<p>\u4f8b\u5982\uff0c\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u53ef\u4ee5\u5168\u5929\u5019\u6536\u96c6\u8cc7\u8a0a\u3002\u56e0\u6b64\uff0c\u300c\u6211\u5011\u6b63\u5728\u5f9e\u53ca\u6642\u5feb\u7167\u8f49\u8b8a\u70ba\u5c0d\u5bb6\u4e2d\u767c\u751f\u7684\u4e8b\u60c5\u9032\u884c\u6301\u7e8c\u8a55\u4f30\uff0c\u300dLexisNexis \u4fdd\u96aa\u7522\u54c1\u6230\u7565\u3001\u8eab\u4efd\u7ba1\u7406\u548c IoT \u7e3d\u76e3 <a href=\"https:\/\/staceyoniot.com\/the-smart-home-will-change-insurance-but-it-will-take-time\/\" target=\"_blank\" rel=\"noreferrer noopener\">Dan Davis<\/a> \u8aaa\u3002 <\/p>\n\n<p>\u7531\u65bc\u4f7f\u7528\u8005\u9a45\u52d5\u7684\u6280\u8853\u9700\u8981\u8207\u7528\u6236\u4e92\u52d5\uff0c\u56e0\u6b64\u8a31\u591a\u6280\u8853\u9084\u9700\u8981\u5728\u4f7f\u7528\u8a72\u5c08\u6848\u7684\u5ba2\u6236\u8207\u5c0b\u6c42\u66f4\u597d\u5730\u77ad\u89e3\u5ba2\u6236\u7368\u7279\u98a8\u96aa\u76f8\u95dc\u6311\u6230\u7684\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u5efa\u7acb\u95dc\u4fc2\u3002\u4f7f\u7528\u9019\u4e9b\u6280\u8853\u5efa\u7acb\u6b63\u78ba\u7684\u5ba2\u6236\u95dc\u4fc2\u53ef\u4ee5\u5e6b\u52a9\u5ba2\u6236\u505a\u51fa\u66f4\u597d\u7684\u9078\u64c7\u4f86\u6e1b\u8f15\u6216\u6d88\u9664\u98a8\u96aa\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=\"&#x6578;&#x4F4D;&#x5E73;&#x677F;&#x96FB;&#x8166;&#x4E0A;&#x7684;&#x4EBA;&#x54E1;&#x76E3;&#x63A7;&#x667A;&#x6167;&#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\u96aa\u79d1\u6280\u4e2d\u6709\u54ea\u4e9b\u7528\u6236\u9a45\u52d5\u7684\u6280\u8853\uff1f<\/h2>\n\n<p>\u8853\u8a9e\u4f7f\u7528\u8005\u9a45\u52d5\u6280\u8853\u53ef\u4ee5\u5ee3\u7fa9\u5730\u5b9a\u7fa9\u70ba\u4f9d\u8cf4\u4f7f\u7528\u8005\u4ea4\u4e92\u548c\u53cd\u994b\u4f86\u5be6\u73fe\u5176\u9810\u671f\u76ee\u7684\u7684\u4efb\u4f55\u6280\u8853\u3002\u5728\u4fdd\u96aa\u9818\u57df\uff0c\u4f7f\u7528\u8005\u9a45\u52d5\u7684\u6280\u8853\u901a\u5e38\u662f\u7531\u4fdd\u96aa\u516c\u53f8\u4ee5\u5916\u7684\u53c3\u8207\u8005\uff08\u4f8b\u5982\u5ba2\u6236\u3001\u4ee3\u7406\u4eba\u548c\u7406\u7b97\u54e1\uff09\u638c\u63e1\u7684\u6280\u8853\u3002\u56e0\u6b64\uff0c\u904b\u71df\u5546\u9762\u81e8\u7684\u6311\u6230\u5728\u65bc\u5efa\u7acb\u9f13\u52f5\u9019\u4e9b\u6280\u8853\u7684\u6700\u4f73\u61c9\u7528\u7684\u95dc\u4fc2\uff0c\u4ee5\u53ca\u4f7f\u7528\u6280\u8853\u672c\u8eab\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u667a\u80fd\u624b\u6a5f<\/h3>\n\n<p>\u667a\u6167\u624b\u6a5f\u98a8\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\u6578\u64da\u4f30\u8a08\uff0c\u5230 2021 \u5e74\uff0c85% \u7684\u7f8e\u570b\u6210\u5e74\u4eba\u64c1\u6709\u667a\u80fd\u624b\u6a5f\uff0c\u800c 2011 \u5e74\u53ea\u6709 35%\u3002 <\/p>\n\n<p>\u667a\u6167\u624b\u6a5f\u7684\u50f9\u503c\u5728\u65bc\u5ba2\u6236\u5982\u4f55\u4f7f\u7528\u8a72\u6280\u8853\u8207\u4fdd\u96aa\u516c\u53f8\u4e92\u52d5\u3002\u8a2a\u554f\u4fdd\u96aa\u516c\u53f8\u7684\u79fb\u52d5\u7db2\u7ad9\u6216\u61c9\u7528\u7a0b\u5f0f\u53ea\u662f\u4e00\u500b\u4f8b\u5b50\u3002\u53e6\u4e00\u500b\u662f\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u7b49\u667a\u6167\u8a2d\u5099\u7684\u7ba1\u7406\u3002  <\/p>\n\n<p>\u201c\u7528\u65bc\u76f4\u63a5\u76e3\u63a7\u99d5\u99db\u884c\u70ba\u7684\u8eca\u8f1b\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u3001\u96c6\u6210\u5c0e\u822a\u4ee5\u53ca\u8a08\u7b97\u6a5f\u548c\u79fb\u52d5\u901a\u4fe1\u6280\u8853\u4f7f\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u4f7f\u7528\u771f\u6b63\u7684\u56e0\u679c\u98a8\u96aa\u56e0\u7d20\u4f86\u6e96\u78ba\u8a55\u4f30\u98a8\u96aa\u4e26\u5236\u5b9a\u7cbe\u78ba\u7684 UBI [usage-based insurance] \u8a55\u7d1a\u8a08\u5283\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\u570b\u4fdd\u96aa\u5c08\u54e1\u5354\u6703 \uff08NAIC\uff09 \u7684\u7814\u7a76\u54e1\u5beb\u9053\u3002<\/p>\n\n<p>\u5ba2\u6236\u4e5f\u6709\u8208\u8da3\u66f4\u591a\u5730\u77ad\u89e3\u81ea\u5df1\u7684\u99d5\u99db\u7fd2\u6163\u3002\u4f7f\u7528\u5ba2\u6236\u53ef\u4ee5\u901a\u904e\u667a\u6167\u624b\u6a5f\u9023\u63a5\u7684\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u53ef\u4ee5\u8b93\u4fdd\u96aa\u516c\u53f8\u66f4\u597d\u5730\u4e86\u89e3\u98a8\u96aa\uff0c\u540c\u6642\u9084\u53ef\u4ee5\u8207\u5ba2\u6236\u5efa\u7acb\u66f4\u7dca\u5bc6\u7684\u95dc\u4fc2\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u7121\u4eba\u6a5f<\/h3>\n\n<p>\u7576\u7121\u4eba\u6a5f\u9996\u6b21\u70ba\u500b\u4eba\u548c\u4f01\u696d\u63d0\u4f9b\u6642\uff0c\u5b83\u5011\u627f\u8afe\u4e86\u8a31\u591a\u597d\u8655\uff0c\u5c24\u5176\u662f\u5728\u4fdd\u96aa\u65b9\u9762\u3002\u5982\u4eca\uff0c\u8a31\u591a\u4fdd\u96aa\u516c\u53f8\u5728\u591a\u7a2e\u60c5\u6cc1\u4e0b\u4f7f\u7528\u7121\u4eba\u6a5f\u4f5c\u70ba\u66f4\u5b89\u5168\u3001\u66f4\u6709\u6548\u7684\u66ff\u4ee3\u65b9\u6848\u3002 <\/p>\n\n<p>State Farm \u767c\u8a00\u4eba <a href=\"https:\/\/www.claimsjournal.com\/news\/national\/2021\/04\/30\/303458.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u6234\u592b\u00b7\u83f2\u529b\u6d66\u65af \uff08Dave Phillips<\/a>\uff09 \u8868\u793a\uff0cState Farm \u65bc 2015 \u5e74\u958b\u59cb\u4f7f\u7528\u7121\u4eba\u6a5f\u6aa2\u67e5\u5efa\u7bc9\u7269\u7684\u5c4b\u9802\uff0c\u4e26\u5728\u7d22\u8ce0\u904e\u7a0b\u4e2d\u8a55\u4f30\u707d\u96e3\u6027\u640d\u5931\u3002<\/p>\n\n<p>\u7121\u4eba\u6a5f\u6aa2\u67e5\u5c4b\u9802\u6bd4\u6d3e\u4eba\u4e0a\u53bb\u66f4\u5b89\u5168\u3002\u5b83\u4e5f\u53ef\u4ee5\u66f4\u5feb\uff0c\u56e0\u70ba\u7121\u4eba\u6a5f\u53ef\u4ee5\u6bd4\u4eba\u79fb\u52d5\u5f97\u66f4\u5feb\uff0c\u4e26\u4e14\u53ef\u4ee5\u5728\u982d\u9802\u4e0a\u8f15\u9b06\u5730\u5f9e\u4e00\u500b\u5730\u65b9\u5207\u63db\u5230\u53e6\u4e00\u500b\u5730\u65b9\u3002Drone Software Canada \u7684\u806f\u5408\u5275\u59cb\u4eba <a href=\"https:\/\/www.canadianunderwriter.ca\/insurance\/flying-high-drone-use-in-insurance-1004212510\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kabir Shaal<\/a> \u8aaa\uff0c\u5e7e\u67b6\u7121\u4eba\u6a5f\u751a\u81f3\u53ef\u4ee5\u5354\u540c\u4f7f\u7528\uff0c\u5728\u76f8\u540c\u7684\u6642\u9593\u5167\u6536\u96c6\u66f4\u591a\u8cc7\u8a0a\u3002  <\/p>\n\n<p>\u4fdd\u96aa\u516c\u53f8\u53ef\u80fd\u5f88\u5feb\u5c31\u6703\u66f4\u5bb9\u6613\u4f7f\u7528\u7121\u4eba\u6a5f\u30022021\u5e74\uff0c <a href=\"https:\/\/www.faa.gov\/uas\/commercial_operators\/operations_over_people\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f8e\u570b\u806f\u90a6\u822a\u7a7a\u7ba1\u7406\u5c40 \uff08Federal Aviation Administration\uff09<\/a> \u5ba3\u4f48\u66f4\u65b0\u5176 Operations Over People \u898f\u5247\uff0c\u8a72\u898f\u5247\u898f\u5b9a\u4e86\u5728\u7121\u4eba\u6a5f\u5f9e\u5929\u800c\u964d\u53ef\u80fd\u9020\u6210\u50b7\u5bb3\u7684\u5340\u57df\u4f7f\u7528\u7121\u4eba\u6a5f\u3002\u9664\u5176\u4ed6\u5916\uff0c\u8a72\u898f\u5247\u4f7f\u4fdd\u96aa\u516c\u53f8\u66f4\u5bb9\u6613\u4f7f\u7528\u7121\u4eba\u6a5f\u67e5\u770b\u96e3\u4ee5\u5230\u9054\u7684\u5340\u57df\uff0c\u4ee5\u9032\u884c\u98a8\u96aa\u8a55\u4f30\u548c\u7d22\u8ce0\u5206\u6790\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u667a\u6167\u5bb6\u5c45\u8a2d\u5099<\/h3>\n\n<p>\u6b63\u5982\u667a\u80fd\u624b\u6a5f\u63a7\u5236\u7684\u9060\u7aef\u8cc7\u8a0a\u8655\u7406\u4f7f\u5ba2\u6236\u548c\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u66f4\u597d\u5730\u4e86\u89e3\u99d5\u99db\u884c\u70ba\u4e00\u6a23\uff0c\u667a\u6167\u624b\u6a5f\u63a7\u5236\u7684\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u4f7f\u5ba2\u6236\u548c\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u66f4\u597d\u5730\u77ad\u89e3\u8207\u623f\u5c4b\u64c1\u6709\u6b0a\u76f8\u95dc\u7684\u98a8\u96aa\u3002<\/p>\n\n<p>\u66f4\u597d\u5730\u4e86\u89e3\u98a8\u96aa\u53ef\u4ee5\u66f4\u597d\u5730\u7de9\u89e3\u98a8\u96aa\u3002\u201c\u76f8\u6a5f\u3001\u667a\u80fd\u8a2d\u5099\uff08\u5982\u53ef\u7a7f\u6234\u8a2d\u5099\u3001\u624b\u9336\u6216\u624b\u6a5f\uff09\uff0c\u751a\u81f3\u662f\u914d\u5099\u611f\u6e2c\u5668\u7684\u667a\u6167\u6c7d\u8eca&#8230;&#8230;\u516c\u53f8\u6b63\u5728\u5229\u7528\u5b83\u4f86\u964d\u4f4e\u8207\u6c34\u3001\u706b\u707d\u3001\u76dc\u7aca\u3001\u6c7d\u8eca\u4e8b\u6545\u548c\u5de5\u4eba\u53d7\u50b7\u76f8\u95dc\u7684\u98a8\u96aa\uff0c\u201cThe Hartford \u7269\u806f\u7db2\u5275\u65b0\u5be6\u9a57\u5ba4\u8ca0\u8cac\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> \u8aaa\u3002 <\/p>\n\n<p>\u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\uff0c\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u53ef\u80fd\u6703\u5b8c\u5168\u9632\u6b62\u640d\u58de\u3002\u4f8b\u5982\uff0c\u6aa2\u6e2c\u6fd5\u5ea6\u6c34\u6e96\u4ee5\u555f\u52d5\u6c61\u6c34\u6cf5\u7684\u81ea\u52d5\u611f\u6e2c\u5668\u53ef\u4ee5\u901a\u904e\u5728\u554f\u984c\u767c\u751f\u4e4b\u524d\u89e3\u6c7a\u554f\u984c\u4f86\u8aac\u660e\u9632\u6b62\u5730\u4e0b\u5ba4\u6d2a\u6c34\u3002 <\/p>\n\n<p>Campany \u8aaa\uff0c\u50cf The Hartford \u9019\u6a23\u7684\u4fdd\u96aa\u516c\u53f8\u5c0d\u9019\u4e9b\u8a2d\u5099\u5982\u4f55\u5c0d\u5ba2\u6236\u548c\u4fdd\u96aa\u516c\u53f8\u5be6\u7528\u7279\u5225\u611f\u8208\u8da3\u3002\u901a\u904e\u8003\u616e\u5ba2\u6236\u9700\u6c42\u548c\u640d\u5931\u8cc7\u8a0a\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u5c07\u667a\u6167\u5bb6\u5c45\u8a2d\u5099\u5de5\u4f5c\u96c6\u4e2d\u5728\u5ba2\u6236\u548c\u4fdd\u96aa\u516c\u53f8\u6700\u53d7\u76ca\u7684\u5730\u65b9\u3002 <\/p>\n\n<p>\u4fdd\u96aa\u5ba2\u6236\uff0c\u5c24\u5176\u662f\u5e74\u8f15\u7fa4\u9ad4\u7684\u4fdd\u96aa\u5ba2\u6236\uff0c\u5c0d\u500b\u4eba\u5316\u9078\u9805\u611f\u8208\u8da3\u3002\u57c3\u68ee\u54f2 2021 \u5e74\u7684\u4e00\u9805\u7814\u7a76\u201c\u8868\u660e\uff0c\u96d6\u7136\u6bcf\u500b\u5e74\u9f61\u6bb5\u7684\u4eba\u90fd\u5c0d\u5e6b\u52a9\u4ed6\u5011\u505a\u51fa\u66f4\u5b89\u5168\u3001\u66f4\u5065\u5eb7\u3001\u66f4\u53ef\u6301\u7e8c\u7684\u9078\u64c7\u7684\u6578\u4f4d\u7522\u54c1\u8d8a\u4f86\u8d8a\u611f\u8208\u8da3\uff0c\u4f46\u8d8a\u4f86\u8d8a\u591a\u7684 34 \u6b72\u53ca\u4ee5\u4e0b\u7684\u6d88\u8cbb\u8005\u8868\u793a\u4ed6\u5011\u5e0c\u671b\u7372\u5f97\u9019\u7a2e\u8aac\u660e\uff0c\u201d\u57c3\u68ee\u54f2\u9ad8\u7d1a\u8463\u4e8b\u7e3d\u7d93\u7406 <a href=\"https:\/\/insuranceblog.accenture.com\/data-driven-re-invention-makes-insurance-more-personal\" target=\"_blank\" rel=\"noreferrer noopener\">Kenneth Saldanha<\/a> \u5beb\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;&#x73FE;&#x4EE3;&#x6241;&#x5E73;&#x8A2D;&#x8A08;&#x4ECB;&#x9762;&#x7684;&#x73FE;&#x4EE3;&#x79FB;&#x52D5;&#x61C9;&#x7528;&#x7A0B;&#x5F0F;&#x4F86;&#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\">\u570d\u7e5e\u4f7f\u7528\u8005\u9a45\u52d5\u7684\u6280\u8853\u5efa\u7acb\u4ee5\u5ba2\u6236\u70ba\u4e2d\u5fc3\u7684\u6587\u5316<\/h2>\n\n<p>\u6839\u64da\u632a\u5a01\u5317\u6975\u5927\u5b78\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\u9805\u7814\u7a76\uff0c\u958b\u767c\u548c\u5be6\u65bd\u4f7f\u7528\u8005\u9a45\u52d5\u7684\u6280\u8853\u9762\u81e8\u5169\u500b\u91cd\u5927\u6311\u6230\u3002\u9019\u4e9b\u6311\u6230\u662f\u5982\u4f55\u6700\u597d\u5730\u8b93\u7528\u6236\u53c3\u8207\u9032\u4f86\uff0c\u4ee5\u53ca\u5982\u4f55\u5c07\u7372\u5f97\u7684\u77e5\u8b58\u6574\u5408\u5230\u6280\u8853\u90e8\u7f72\u904e\u7a0b\u4e2d\u3002 <\/p>\n\n<p>\u5c0b\u6c42\u5ba2\u6236\u53cd\u994b\u662f\u70ba\u958b\u767c\u4eba\u54e1\u5275\u5efa\u7528\u6236\u9a45\u52d5\u578b\u6280\u8853\u7684\u91cd\u8981\u7d44\u6210\u90e8\u5206\u3002\u5118\u7ba1\u5982\u6b64\uff0c\u4e0d\u958b\u767c\u81ea\u5df1\u6280\u8853\u7684\u4fdd\u96aa\u516c\u53f8\u4e5f\u53ef\u4ee5\u5f9e\u95dc\u6ce8\u7528\u6236\u53cd\u994b\u4e2d\u53d7\u76ca\uff0c\u56e0\u70ba\u5b83\u8207\u4fdd\u96aa\u9ad4\u9a57\u6709\u95dc\u3002 <\/p>\n\n<p>\u6709\u6642\u5c0b\u6c42\u53cd\u994b\u5c31\u50cf\u5be6\u65bd\u865b\u64ec\u610f\u898b\u7bb1\u4e00\u6a23\u7c21\u55ae\u3002\u7576Hily\u7d04\u6703\u61c9\u7528\u7a0b\u5f0f\u548cTaimi\u5e73\u81fa\u5275\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> \u70ba\u61c9\u7528\u7a0b\u5f0f\u6dfb\u52a0\u529f\u80fd\u8acb\u6c42\u8868\u6642\uff0c\u4ed6\u8aaa\u9019\u300c\u5c0d\u6211\u5011\u8207\u4f7f\u7528\u8005\u7684\u6e9d\u901a\u7522\u751f\u4e86\u5de8\u5927\u5f71\u97ff\u300d\u3002\u5b83\u9084\u70ba\u6211\u5011\u5718\u968a\u7684\u904b\u4f5c\u65b9\u5f0f\u5e36\u4f86\u4e86\u91cd\u5927\u8b8a\u5316\u3002 <\/p>\n\n<p>\u529f\u80fd\u8acb\u6c42\u529f\u80fd\u8aac\u660e Pasykov \u548c\u61c9\u7528\u5718\u968a\u5c08\u6ce8\u65bc\u5c07\u7528\u6236\u8996\u89d2\u7d0d\u5165\u4f7f\u7528\u8005\u9a45\u52d5\u578b\u6280\u8853\u7684\u5e7e\u500b\u95dc\u9375\u8981\u7d20\u3002\u9019\u4e9b\u5305\u62ec\uff1a <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u6301\u5ba2\u6236\u53cd\u994b\u8868\u7c21\u55ae\u3002<\/li>\n\n\n\n<li>\u5728\u5275\u5efa\u6216\u63d0\u4f9b\u65b0\u529f\u80fd\u6642\u6ce8\u91cd\u6548\u7387\u3002<\/li>\n\n\n\n<li>\u8abf\u6574\u73fe\u6709\u529f\u80fd\u4ee5\u66f4\u597d\u5730\u6eff\u8db3\u5ba2\u6236\u7684\u9700\u6c42\u548c\u671f\u671b\u3002<\/li>\n\n\n\n<li>\u8b93\u60a8\u7684\u5718\u968a\u66f4\u6e05\u695a\u5730\u77ad\u89e3\u5982\u4f55\u9032\u4e00\u6b65\u4f7f\u7528\u4f7f\u7528\u8005\u9a45\u52d5\u7684\u6280\u8853\u9078\u9805\u3002<\/li>\n<\/ul>\n\n<p>\u201c\u4f7f\u7528\u8005\u4e0d\u518d\u53ea\u662f\u65c1\u89c0\u8005;\u4ed6\u5011\u662f\u958b\u767c\u904e\u7a0b\u7684\u5408\u4f5c\u5925\u4f34\u548c\u7a4d\u6975\u53c3\u8207\u8005\uff0c\u201cPasykov \u89e3\u91cb\u9053\u3002<\/p>\n\n<p>\u5373\u4f7f\u76f8\u95dc\u6280\u8853\u4e0d\u662f\u7531\u4fdd\u96aa\u516c\u53f8\u958b\u767c\u7684\uff0c\u4e5f\u53ef\u4ee5\u5be6\u73fe\u7528\u6236\u7684\u7a4d\u6781\u53c3\u8207\u3002\u4f8b\u5982\uff0c\u901a\u904e\u8a62\u554f\u5ba2\u6236\u5982\u4f55\u4f7f\u7528\u667a\u6167\u5bb6\u5c45\u611f\u6e2c\u5668\u7b49\u6280\u8853\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u627e\u5230\u66f4\u6709\u6548\u7684\u65b9\u6cd5\u4f86\u6574\u5408\u9019\u4e9b\u5de5\u5177\uff0c\u8abf\u6574\u4ed6\u5011\u63d0\u4f9b\u548c\u9f13\u52f5\u4f7f\u7528\u9019\u4e9b\u5de5\u5177\u7684\u65b9\u6cd5\uff0c\u4e26\u5c31\u5982\u4f55\u5e6b\u52a9\u5ba2\u6236\u548c\u4ee3\u7406\u4eba\u5c07\u4f7f\u7528\u8005\u9a45\u52d5\u7684\u6280\u8853\u7d0d\u5165\u4fdd\u96aa\u6d41\u7a0b\u5f62\u6210\u66f4\u6e05\u6670\u7684\u9858\u666f\u3002\u7d50\u679c\u53ef\u4ee5\u70ba\u6bcf\u500b\u4eba\u63d0\u4f9b\u66f4\u597d\u7684\u9ad4\u9a57\u3002  <\/p>\n\n<p><em>\u5716\u7247\u4f86\u81ea\uff1a rh2010\/\u00a9123RF.com\uff0c andreypopov\/\u00a9123RF.com\uff0c vlado85\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5ba2\u6236\u3001\u4ee3\u7406\u4eba\u548c\u4fdd\u96aa\u516c\u53f8\u54e1\u5de5\u5728\u4fdd\u96aa\u754c\u4e00\u76f4\u767c\u63ee\u8457\u95dc\u9375\u4f5c\u7528\u3002\u96d6\u7136\u6280\u8853\u4e26\u6c92\u6709\u6539\u8b8a\u9019\u4e9b\u89d2\u8272\u7684\u57fa\u672c\u6027\u8cea\uff0c\u4f46\u5b83\u70ba\u53c3\u8207\u8005\u63d0\u4f9b\u4e86 [&hellip;]<\/p>\n","protected":false},"featured_media":10508,"template":"","insight-category":[],"class_list":["post-33709","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/33709","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media\/10508"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=33709"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=33709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}