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顛覆你想像的保險
以保費為例，因為有了科技協助，「動態保費」的時代也跟著來臨了。未來保險商品也能個人化。目前只根據性別、年齡來計算保費高低。未來透過大數據，將改變過去使用「平均值」來計算保費的方式，而是依照個人行為所產生的風險大小計算出費率之別，讓保單設計轉變成「以人計費、一人一價」。
With help of technology, the premiums may also be priced individually. In the future, it is possible that insurance products become more tailored to meet individuals. At the moment, premiums are based on gender and age. With big data, the cost of premium can be calculated by past averages associated with personal behaviors and risks. In another word, for the same policy, each of the insured pays a different fee.
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全球環保車市場之發展
全球主要汽車製造商總是致力於開發品質精良的車款，期望藉此拓展市場、強化品牌銷售機會；但是，此一以傳統動力(指汽柴油引擎動力)為主軸的汽車市場早已達到飽和的態勢。近年來，已開發市場對於環保議題的重視、進而促使各汽車消費大國制定愈趨嚴格排放廢氣的法規，例如：在世界第二大的汽車市場-中國，正在推行新的燃油經濟性法規；使得市場對於環保車的需求明顯增加並且也提供相關優惠措施，以中國市場為例，2013年5月，中國政府開始對電動車(EV)和插電式混合動力車(PHEV)進行價格補貼，目標期望在2020年有五百萬輛上路。
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千禧世代和社會品牌感知的影響
Ipsos SMX最近另外針對542名千禧世代消費者進行的一次調查研究中，四分之三的消費者稱他們在社群媒體上關注官方品牌或公司的頁面。其中，在最近有在線上發現了新的品牌或產品的消費者中，有78％的人表示他們是透過社群媒體網站發現新品牌或產品的，這一比例顯著高於零售網站、論壇、部落客或搜尋引擎。85％的消費者說如果他們最好的朋友在社群媒體上推薦的話，他們「肯定」或「可能」會購買某個產品。
In a recent Ipsos SMX study conducted with 542 millennial consumers, 3 out of 4 reported following official brand or company pages on social media. Of those who have recently discovered a new brand or product online, 78% say they use social media sites as a typical means of discovery, significantly higher than retail sites, forums/blogs or search engines.
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「銀髮經濟」行銷的黃金準則
六十歲以上的消費者，每年的消費金額超過四兆美元。產業領袖已採取動作切入高齡社會的市場。儘管如此，廠商的反應還是遠遠跟不上市場的擴增。美國波士頓諮詢公司估計，目前僅有少於15％的企業已開發出針對老人市場的商業策略。Consumers over 60 shell out a total of 4 trillion US dollars every year. Market leaders in multiple sectors have taken strides to service this ever-expanding market segment. However, companies are not moving fast enough. The Boston Consulting Group estimates that less than 15% of firms have come up with a business strategy focused on the elderly.
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將物聯網價值展現的行銷思維
隨著4G LTE飆速時代的來臨，物聯網的商機蓬勃發展，國內外物聯網（Internet of Things, IoT）應用愈來愈廣，包含個人穿戴式裝置、智能居家（如節能、溫控、安全監控、影音等）、智慧醫療（如血壓、血糖量測、睡眠監控等）、智慧汽車（車對車聯網）…等。工研院IEK更預估2020年物聯網產值上看1,332億美元，相當於新台幣4.37兆元。面對來勢洶洶的物聯網，不論是提供產品或服務的廠商，都應從中尋找切入市場的創意點，但在導入物聯網來提昇客戶滿意度的同時，也不要忽略由消費者的角度來檢視它的成效。
IoT (Internet of Things) related business flourishes as 4G LTE internet becomes widely available. IoT applications, including personal wearables, smart homes (energy saving, temperature control, security surveillance, video entertainment, and etc.), smart healthcare (blood pressure and glucose measuring, sleep monitoring, and etc.), connected cars (Internet of Vehicles) and so on, are gaining global popularity. Value for IoT industry, according to ITRI IEK, is expected to reach up to$ 133.2B USD (about $4.37T NTD) by 2020. As facing the megatrend of IoT, companies providing products and services should seek creative way to penetrate markets with it. While trying to increase customer satisfaction by implementing IoT concept, all companies should always view from consumers’ perspectives to evaluate the real effect.
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對汽車產業來說，VR（Virtual Reality，虛擬實境）是沉睡的巨人嗎？
世界領先的企業都在利用VR（虛擬實境）技術幫助他們成為優勢品牌，未來VR的使用只會多不會少，現在汽車製造商，也是時候該上船了！The world’s leading companies are using virtual reality (VR) to a major advantage, and that will only increase in the future. Vehicle makers need to get onboard now!
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提供消費者良好購物旅程的四個步驟
為了提供消費者更好的消費旅程，首先要了解消費旅程的重要性。在嚴苛的現實中，有三分之二的消費者，不會在一個會讓他們消費旅程中遇到困難的消費環境裡購物。這是個不容小覷的數字，不過幸運的是，我們有四個簡單的步驟來幫助您提供消費者更有效的消費旅程。
To create a better customer journey, you must first understand its importance. The stark reality is that two thirds of customers are less likely to shop in a retail environment if they have problems with their shopping experience. With the high street still hugely competitive, that is one figure that should be taken seriously. However, the good news is that there are four simple steps to help you when it comes to assisting your customers more effectively. -
零售商40年成長回顧及未來趨勢
益普索在市場研究及消費者洞察的專業已經是全球知名領先者，在過去四十多年來益普索也伴隨著消費者及品牌們一起經歷零售業的改變及成長。在這邊我們將分享過去四十年來所觀察到零售商的變化，以及未來的發展趨勢。We are known throughout the world for being a leader on market research and customer insight. To celebrate our 40 years in the industry, this four-part blog series looks at how the retail landscape has changed – and what the future has in store.
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荒野還是藍海？智能櫃市場在台灣
隨著電商崛起，台灣的物流市場預估將於2019年達到每年300億的規模。國內外備受關注的「智能櫃」解決了宅配高重複配送率的問題，並顧及客戶隱私，然而在智能櫃發展剛起步的台灣，這片市場就竟會是荒野還是藍海？
With the begin of virtual shopping era, it was estimated that Taiwan logistic market will reach a scale of 30 billion NT dollars in 2019. Additional human resources and double deliveries costs draw attention in both domestic and international self-pickup market, thus lead to the invention of “smart locker”. In Taiwan, the smart locker trend started from the beginning of this year. It is still unknown whether Taiwan is a blue ocean for smart lockers or not. -
The Next Big Trend in Taiwan: Stay-at-Home Economy
Internet technologies have not only formed the online shopping behaviour, but also changed the way people do their work. “Working at home” is a good example of the impact of the Internet.