{"id":10318,"date":"2020-02-28T17:05:02","date_gmt":"2020-02-28T10:05:02","guid":{"rendered":"https:\/\/dtmconsulting.vn\/?p=10318"},"modified":"2020-06-11T09:48:43","modified_gmt":"2020-06-11T02:48:43","slug":"insight-khach-hang-nganh-tai-chinh-finance","status":"publish","type":"post","link":"https:\/\/dtmconsulting.vn\/en\/insight-khach-hang-nganh-tai-chinh-finance\/","title":{"rendered":"Insight kh\u00e1ch h\u00e0ng ng\u00e0nh T\u00e0i ch\u00ednh – Finance"},"content":{"rendered":"

Sunny Israni, doanh nh\u00e2n, c\u1ef1u nh\u00e2n vi\u00ean ph\u1ed1 Wall, M\u1ef9 – ng\u01b0\u1eddi s\u00e1ng l\u1eadp \u1ee9ng d\u1ee5ng ti\u1ec1n Clasp, \u0111\u00e3 d\u00e0nh h\u01a1n 100 gi\u1edd \u0111\u1ec3 ph\u1ecfng v\u1ea5n nh\u00f3m kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng hi\u1ec7n nay – th\u1ebf h\u1ec7 Y (Millennials)<\/a>. Cu\u1ed9c ph\u1ecfng v\u1ea5n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nh\u1eb1m m\u1ee5c \u0111\u00edch t\u00ecm hi\u1ec3u v\u1ec1 th\u00f3i quen ti\u1ec1n b\u1ea1c, th\u00e1i \u0111\u1ed9 v\u00e0 m\u1ee5c ti\u00eau d\u1ef1 \u0111\u1ecbnh c\u1ee7a nh\u00f3m th\u1ebf h\u1ec7 n\u00e0y s\u1ebd l\u00e0m g\u00ec khi c\u00f3 ti\u1ec1n.<\/strong><\/p>\n

Trong cu\u1ed9c ph\u1ecfng v\u1ea5n n\u00e0y, Israni \u0111\u00e3 chia ra 2 nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng ph\u1ecfng v\u1ea5n: nh\u00f3m chi ti\u00eau c\u00f3 k\u1ebf ho\u1ea1ch v\u00e0 nh\u00f3m chi ti\u00eau c\u1ea3m t\u00ednh (kh\u00f4ng theo k\u1ebf ho\u1ea1ch). V\u00e0 m\u1ee5c \u0111\u00edch c\u1ee7a cu\u1ed9c ph\u1ecfng v\u1ea5n ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0m mu\u1ed1n t\u00ecm hi\u1ec3u nguy\u00ean nh\u00e2n (y\u1ebfu t\u1ed1 th\u00fac \u0111\u1ea9y) t\u1ea1o n\u00ean s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa 2 nh\u00f3m th\u1ebf h\u1ec7 Millennials n\u00e0y. Li\u1ec7u s\u1ef1 h\u00ecnh th\u00e0nh h\u00e0nh vi nh\u01b0 v\u1eady c\u00f3 li\u00ean quan \u0111\u1ebfn thu nh\u1eadp, m\u00f4i tr\u01b0\u1eddng s\u1ed1ng, v\u1ecb tr\u00ed \u0111\u1ecba l\u00fd (th\u00e0nh th\u1ecb, n\u00f4ng th\u00f4n) hay t\u00e1c \u0111\u1ed9ng t\u1eeb nh\u1eefng c\u00e1 nh\u00e2n kh\u00e1c?,…<\/p>\n

K\u1ebft qu\u1ea3 thu v\u1ec1 kh\u00e1 b\u1ea5t ng\u1edd, vi\u1ec7c nh\u00f3m ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u1ebf h\u1ec7 Y chi ti\u00eau c\u1ea3m t\u00ednh \u0111\u1ec1u kh\u00f4ng li\u00ean quan \u0111\u1ebfn c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u00ean, m\u00e0 l\u00e0 c\u00e1ch nh\u00f3m ti\u00eau d\u00f9ng n\u00e0y ngh\u0129 v\u1ec1 vai tr\u00f2 c\u1ee7a ti\u1ec1n b\u1ea1c. Nguy\u00ean nh\u00e2n t\u01b0\u01a1ng \u0111\u1ed1i kh\u00e1c so v\u1edbi suy \u0111o\u00e1n d\u1ef1a tr\u00ean h\u00e0nh vi nh\u00f3m ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u00e0y l\u00e0 h\u1ecd th\u00edch tr\u1ea3i nghi\u1ec7m, th\u1eed c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 m\u1edbi,.. nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a t\u1eebng th\u1ebf h\u1ec7 \u0111\u1ec1u \u0111\u01b0\u1ee3c \u0111\u1ecbnh h\u00ecnh b\u1edfi ho\u00e0n c\u1ea3nh, m\u00f4i tr\u01b0\u1eddng. (Theo Deloitte, Global Millennial survey 2019).<\/p>\n

Nguy\u00ean nh\u00e2n t\u00e1c \u0111\u1ed9ng<\/h1>\n

C\u00f3 3 y\u1ebfu t\u1ed1 t\u00e2m l\u00fd ch\u00ednh g\u00f3p ph\u1ea7n l\u00e0m cho th\u1ebf h\u1ebf Y ki\u1ec3m so\u00e1t k\u00e9m h\u01a1n trong vi\u1ec7c “ti\u00eau ti\u1ec1n”.<\/p>\n

Kh\u00f4ng hi\u1ec3u ti\u1ec1n c\u00f3 \u00fd ngh\u0129a g\u00ec trong cu\u1ed9c s\u1ed1ng<\/h2>\n

D\u1eef li\u1ec7u t\u1eeb ph\u1ecfng v\u1ea5n ch\u1ec9 ra r\u1eb1ng kh\u00f4ng c\u00f3 \u0111i\u1ec1u g\u00ec t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn h\u00e0nh vi c\u1ee7a th\u1ebf h\u1ec7 Y h\u01a1n l\u00e0 c\u00e1ch h\u1ecd ngh\u0129\u00a0 v\u1ec1 vi\u1ec7c qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c.<\/p>\n

Nh\u01b0ng \u0111\u00e1p vi\u00ean khi tham gia tr\u1ea3 l\u1eddi m\u00f4 t\u1ea3 h\u00e0nh vi t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh nh\u01b0 th\u1ec3 \u0111ang m\u00f4 t\u1ea3 v\u1ec1 ch\u00ednh b\u1ea3n th\u00e2n m\u00ecnh, h\u1ecd l\u00e0 ai, tr\u00f4ng nh\u01b0 th\u1ebf n\u00e0o,.. Hay n\u00f3i c\u00e1ch kh\u00e1c, vi\u1ec7c nh\u00f3m ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u00e0y chi ti\u00eau ra sao ch\u00ednh l\u00e0 m\u1ed9t c\u00e1ch \u0111\u1ec3 h\u1ecd tuy\u00ean b\u1ed1 v\u1edbi x\u00e3 h\u1ed9i b\u1ea3n th\u00e2n h\u1ecd l\u00e0 ai.<\/p>\n

Nh\u00f3m ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u1ebf h\u1ec7 Y c\u00f3 h\u00e0nh vi ki\u1ec3m so\u00e1t hi\u1ec7u qu\u1ea3 v\u1ec1 t\u00e0i ch\u00ednh l\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u00f3 t\u1ea7m nh\u00ecn ( c\u00f3 k\u1ebf ho\u1ea1ch t\u01b0\u01a1ng lai) r\u00f5 r\u00e0ng v\u1ec1 nh\u1eefng g\u00ec h\u1ecd mu\u1ed1n t\u1eeb ti\u1ec1n m\u00ecnh ki\u1ebfm \u0111\u01b0\u1ee3c, bi\u1ebft \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau khi chi ti\u00eau v\u00e0o \u0111\u00e2u \u0111\u00f3.<\/p>\n

C\u1ee5 th\u1ec3, khi \u00f4ng ph\u1ecfng v\u1ea5n m\u1ed9t \u0111\u00e1p vi\u00ean \u0111ang b\u1eaft \u0111\u1ea7u x\u00e2y d\u1ef1ng s\u1ef1 nghi\u1ec7p v\u00e0 ch\u00ednh h\u1ecd c\u0169ng s\u1eed d\u1ee5ng ti\u1ec1n m\u1ed9t c\u00e1ch ti\u1ebft ki\u1ec7m c\u0169ng t\u1ef1 chia s\u1ebb l\u00e0 m\u1ed9t m\u1ed9t \u0111\u1ed3ng h\u1ecd chi ti\u00eau \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c h\u1ecd bi\u1ebft m\u00ecnh \u0111ang chi cho c\u00e1i g\u00ec. Ng\u01b0\u1ee3c l\u1ea1i, nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng nh\u1ea5t \u0111\u1ecbnh ph\u1ea3i \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh chi\u00a0 ti\u00eau hay c\u00f3 k\u1ebf ho\u1ea1ch chi ti\u00eau lu\u00f4n c\u00f3 s\u1ef1 b\u0103n kho\u0103n v\u00e0 m\u00e2u thu\u1eabn trong vi\u1ec7c chia s\u1ebb v\u1ec1 m\u1ee5c \u0111\u00edch khi h\u1ecd chi ti\u00eau cho b\u1ea5t c\u1ee9 m\u1ed9t kho\u1ea3n n\u00e0o. V\u00e0 vi\u1ec7c kh\u00f4ng hi\u1ec3u vi\u1ec7c b\u1ea3n th\u00e2n h\u1ecd chi ti\u1ec1n mua s\u1eafm v\u00ec \u0111i\u1ec1u g\u00ec d\u1eabn \u0111\u1ebfn nh\u1eefng th\u00f3i quen x\u1ea5u v\u00e0 g\u00e2y ra vi\u1ec7c bi\u1ebfn h\u1ecd th\u00e0nh nh\u1eefng ng\u01b0\u1eddi chi ti\u00eau “kh\u00f4ng kh\u00f4n ngoan”, h\u1ee3p l\u00fd.<\/p>\n

\"\"<\/a><\/p>\n

Kh\u00f4ng \u0111\u1eb7t h\u1ea1n m\u1ee9c chi ti\u00eau<\/h2>\n

Trong khi ph\u1ecfng v\u1ea5n, \u00f4ng c\u0169ng ph\u00e1t hi\u1ec7n ra r\u1eb1ng th\u1ebf h\u1ec7 Y c\u00f3 m\u1ed9t th\u00f3i quen x\u1ea5u \u0111\u00f3 l\u00e0 chi qu\u00e1\u00a0 nhi\u1ec1u ti\u1ec1n trong c\u00e1c t\u00ecnh hu\u1ed1ng x\u00e3 h\u1ed9i (social situations) hay n\u00f3i c\u00e1ch kh\u00e1c b\u1ecb \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u \u0111\u1ebfn chi ti\u00eau b\u1edfi y\u1ebfu t\u1ed1 t\u1eeb m\u00f4i tr\u01b0\u1eddng, x\u00e3 h\u1ed9i xung quanh.\u00a0 Trong khi \u0111\u00f3 nh\u1eefng ng\u01b0\u1eddi c\u00f3 k\u1ef7 lu\u1eadt chi ti\u00eau \u0111\u00e3 l\u1eadp cho m\u00ecnh k\u1ebf ho\u1ea1ch khi chi ti\u00eau.<\/p>\n

M\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u bi\u1ebft khi trong c\u00e1c t\u00ecnh hu\u1ed1ng x\u00e3 h\u1ed9i m\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u c\u00f3 xu h\u01b0\u1edbng chi ti\u00eau nhi\u1ec1u h\u01a1n. Tuy nhi\u00ean, th\u1ef1c t\u1ebf, khi nghi\u00ean c\u1ee9u s\u00e2u h\u01a1n v\u00e0o nh\u00f3m ng\u01b0\u1eddi chi ti\u00eau c\u00f3 k\u1ebf ho\u1ea1ch th\u00ec h\u1ea7u h\u1ebft nh\u1eefng ng\u01b0\u1eddi \u0111\u00f3 \u0111\u1ec1u hi\u1ec3u b\u1ea3n b\u00e8 c\u0169ng nh\u01b0 nh\u1eefng c\u00e1 nh\u00e2n kh\u00e1c trong v\u00f2ng tr\u00f2n x\u00e3 h\u1ed9i c\u1ee7a m\u00ecnh, bi\u1ebft \u0111i\u1ec1u g\u00ec c\u00f3 \u00fd ngh\u0129a v\u00e0 “vi\u1ec7c \u00fd ngh\u0129a” \u0111\u00f3 \u0111\u00f4i khi kh\u00f4ng c\u1ea7n thi\u1ebft ph\u1ea3i l\u00e0 t\u1ed1n m\u1ed9t kho\u1ea3n ti\u1ec1n l\u1edbn. T\u1eeb cu\u1ed9c ph\u1ecfng v\u1ea5n n\u00e0y, khi nh\u1eefng ng\u01b0\u1eddi lu\u00f4n c\u1ed1 g\u1eafng chi ti\u1ec1n theo \u0111u\u1ed5i t\u00ecnh h\u00ecnh x\u00e3 h\u1ed9i h\u1ea7u nh\u01b0ng kh\u00f4ng c\u1ea3m th\u1ea5y vui v\u1ebb v\u00e0 h\u00e0nh ph\u00fac khi chi ti\u00eau. C\u00f9ng v\u1edbi \u0111\u00f3, khi nh\u1eefng ng\u01b0\u1eddi chi ti\u00eau c\u1ea3m t\u00ednh kh\u00f4ng trung th\u1ef1c v\u1edbi b\u1ea1n b\u00e8 c\u1ee7a h\u1ed9 v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1, chi ph\u00ed h\u1ecd c\u00f3 th\u1ec3 ch\u1ecb tr\u1ea3.<\/p>\n

V\u00e0 vi\u1ec7c gi\u1ea3m t\u1ea3i chi ti\u00eau kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p, thay v\u00e0o \u0111\u00f3 h\u1ecd c\u1ea7n hi\u1ec3u gi\u1edbi h\u1ea1n chi ti\u00eau n\u00ean \u1edf \u0111\u00e2u. T\u1ed1t nh\u1ea5t nh\u1eefng c\u00e1 nh\u00e2n \u0111ang c\u1ea3m th\u1ea5y m\u00ecnh chi ti\u00eau kh\u00f4ng h\u1ee3p l\u00fd, “xa x\u1ec9” so v\u1edbi thu nh\u1eadp n\u00ean c\u00f3 nh\u1eefng danh s\u00e1ch vi\u1ec7c c\u1ea7n chi ti\u00eau, \u0111\u1eb7t th\u1ee9 t\u1ef1 \u01b0u ti\u00ean cho c\u00e1c kho\u1ea3n.<\/p>\n

>> Xem th\u00eam: Mu\u1ed1n b\u00e1n \u0111\u01b0\u1ee3c s\u1ea3n ph\u1ea9m ph\u1ea3i t\u00ecm hi\u1ec3u kh\u00e1ch h\u00e0ng! V\u00ec sao? V\u00e0 l\u00e0m nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/span><\/strong><\/p>\n

Ch\u1ea5p nh\u1eadn s\u1ed1 ph\u1eadn v\u00e0 kh\u00f4ng mu\u1ed1n ph\u1ea5n \u0111\u1ea5u<\/h2>\n

D\u1eef li\u1ec7u t\u1eeb cu\u1ed9c ph\u1ecfng v\u1ea5n ch\u1ec9 ra r\u1eb1ng th\u1ebf h\u1ec7 Y – nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp, kinh t\u1ebf k\u00e9m h\u01a1n so v\u1edbi b\u1ea1n b\u00e8, network c\u1ee7a m\u00ecnh c\u00f3 nh\u1eefng suy ngh\u0129 v\u00f4 c\u00f9ng ti\u00eau c\u1ef1c. H\u1ecd ngh\u0129 r\u1eb1ng kh\u00f4ng c\u00f3 b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec c\u00f3 th\u1ec3 thay \u0111\u1ed5i ho\u00e0n c\u1ea3nh, cu\u1ed9c s\u1ed1ng c\u1ee7a m\u00ecnh v\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i c\u1ed1 g\u1eafng l\u00e0m g\u00ec. V\u1ea5n \u0111\u1ec1 quay tr\u1edf l\u1ea1i l\u00e0 suy ngh\u0129, t\u01b0 duy c\u1ee7a nh\u00f3m ti\u00eau d\u00f9ng tr\u1ebb n\u00e0y.<\/p>\n

H\u1ecd t\u1ef1 ngh\u0129 r\u1eb1ng m\u00ecnh kh\u00f4ng th\u1ec3 t\u1ed1t h\u01a1n hay thay \u0111\u1ed5i \u0111\u01b0\u1ee3c g\u00ec v\u00e0 lu\u00f4n c\u1ea3m th\u1ea5y \u0111\u1ee9ng d\u01b0\u1edbi m\u1ecdi ng\u01b0\u1eddi. \u0110i\u1ec1u n\u00e0y c\u00f2n tr\u1edf n\u00ean t\u1ed3i t\u1ec7 h\u01a1n khi th\u1ebf gi\u1edbi x\u1ea3y ra c\u00e1c v\u1ea5n \u0111\u1ec1 v\u0129 m\u00f4 nh\u01b0 hi\u1ec7u \u1ee9ng nh\u00e0 k\u00ednh, bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu, \u00f4 nhi\u1ec5m m\u00f4i tr\u01b0\u1eddng, chi\u1ebfn tranh,… l\u00e0m cho nh\u00f3m ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea3m th\u1ea5y n\u00ean s\u1ed1ng “h\u1ebft m\u00ecnh” cho hi\u1ec7n t\u1ea1i. M\u1ecdi v\u1ea5n \u0111\u1ec1 \u0111\u1ec1u b\u1eaft ngu\u1ed3n t\u1eeb t\u01b0 duy, c\u00e1ch suy ngh\u0129, n\u1ebfu ngay t\u1eeb \u0111\u1ea7u c\u00e1ch h\u1ecd ngh\u0129 \u0111\u00e3 kh\u00f4ng \u0111\u00fang th\u00ec vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 l\u00ean k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh khi chi ti\u00eau \u0111\u1ec1u v\u00f4 \u00edch, th\u1eadm ch\u00ed nh\u00f3m ng\u01b0\u1eddi ti\u00eau d\u00f9ng n\u00e0y c\u00f2n kh\u00f4ng nh\u00ecn v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a m\u00ecnh.<\/p>\n

\"\"<\/a><\/p>\n

Mong mu\u1ed1n v\u00e0 m\u00e2u thu\u1eabn trong h\u00e0nh vi<\/h1>\n

T\u1ef1 do v\u1ec1 t\u00e0i ch\u00ednh<\/h2>\n

Ngo\u00e0i ra, th\u1ebf h\u1ec7 Y mong mu\u1ed1n \u0111\u01b0\u1ee3c \u0111\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 t\u1ef1 do chi ti\u00eau. Cho d\u00f9 \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 h\u1ecd g\u1eb7p nhi\u1ec1u r\u1ee7i ro trong c\u00f4ng vi\u1ec7c l\u1eabn cu\u1ed9c s\u1ed1ng h\u01a1n nh\u01b0 l\u00e0: c\u00f3 nh\u1eefng k\u1ef3 ngh\u1ec9 t\u1ef1 ph\u00e1t ho\u1eb7c c\u00f3 th\u1ec3 ngh\u1ec9 vi\u1ec7c khi c\u00f2n tr\u1ebb. V\u00e0 h\u1ecd c\u0169ng chia s\u1ebb r\u1eb1ng h\u1ecd mu\u1ed1n \u0111\u1ed9c l\u1eadp v\u1ec1 t\u00e0i ch\u00ednh nh\u01b0 v\u1eady l\u00e0 kh\u00f4ng mu\u1ed1n ph\u1ea3i lo l\u1eafng hay suy ngh\u0129 nhi\u1ec1u khi chi ti\u00eau b\u1ea5t c\u1ee9 m\u1ed9t kho\u1ea3n g\u00ec.<\/p>\n

C\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa \u0111\u1ed9c l\u1eadp, t\u1ef1 do (freedom) v\u00e0 t\u1ef1 ph\u00e1t (spontaneity), th\u00ec m\u1ed9t s\u1ed1 ng\u01b0\u1eddi ti\u00eau d\u00f9ng trong nh\u00f3m n\u00e0y chia s\u1ebb r\u1eb1ng h\u1ecd th\u00edch nh\u1eefng \u0111i\u1ec1u t\u1ef1 ph\u00e1t. V\u00ed d\u1ee5, h\u1ecd c\u00f3 th\u1ec3 \u0111\u1ed9t nhi\u00ean th\u1ef1c hi\u1ec7n m\u1ed9t chuy\u1ebfn du l\u1ecbch m\u1ed9t c\u00e1ch t\u1ef1 ph\u00e1t ho\u1eb7c t\u1ef1 ph\u00e1t t\u00ecm hi\u1ec3u, tham gia h\u1ecdc h\u1ecfi v\u1ec1 m\u1ed9t ng\u00e0nh n\u00e0o \u0111\u00f3.<\/p>\n

R\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi trong nh\u00f3m th\u1ebf h\u1ec7 n\u00e0y \u0111ang v\u01b0\u1edbng v\u00e0o c\u00e1c kho\u1ea3n n\u1ee3 ng\u00e2n h\u00e0ng, \u0111\u1eb7c bi\u1ec7t khi m\u00e0 h\u00ecnh th\u1ee9c tr\u1ea3 g\u00f3p v\u1edbi l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn, b\u1ea5t c\u1ee9 ai c\u0169ng c\u00f3 th\u1ec3 mua m\u1ed9t chi\u1ebfc Iphone 11 pro th\u00f4ng qua h\u00ecnh th\u1ee9c tr\u1ea3 g\u00f3p. V\u00ec v\u1eady, vi\u1ec7c ti\u00eau ti\u1ec1n theo c\u00e1ch h\u1ecd mu\u1ed1n \u0111\u00e3 v\u00e0 \u0111ang tr\u1edf th\u00e0nh m\u1ee5c ti\u00eau c\u1ee7a r\u1ea5t nhi\u1ec1u b\u1ea1n tr\u1ebb. \u0110\u1eb7c bi\u1ec7t h\u1ecd c\u0169ng nh\u00e2n m\u1ea1nh m\u1ee5c ti\u00eau cho cu\u1ed9c s\u1ed1ng c\u1ee7a m\u00ecnh l\u00e0 ngh\u1ec9 h\u01b0u s\u1edbm v\u00e0 \u0111\u1ed9c l\u1eadp (independent) v\u1ec1 t\u00e0i ch\u00ednh.<\/p>\n

H\u1ecd mu\u1ed1n t\u1ef1 do \u0111\u01b0a ra l\u1ef1a ch\u1ecdn m\u00e0 kh\u00f4ng ph\u1ea3i lo l\u1eafng v\u1ec1 ti\u1ec1n b\u1ea1c, v\u00e0 tr\u00ean h\u1ebft, h\u1ecd mu\u1ed1n chi ti\u00eau cho nh\u1eefng th\u1ee9 mang l\u1ea1i cho h\u1ecd ni\u1ec1m vui h\u01a1n l\u00e0 tr\u1ea3 n\u1ee3.<\/p>\n

>>> Xem th\u00eam: Khai th\u00e1c insights kh\u00e1ch h\u00e0ng qua th\u00f4ng tin tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i<\/a><\/p>\n

\u00a0S\u1edf h\u1eefu b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/h2>\n

\"\"<\/a><\/p>\n

Ng\u01b0\u1ee3c v\u1edbi nh\u00f3m ti\u00eau d\u00f9ng “t\u1ef1 ph\u00e1t” v\u00e0 “c\u1ea3m t\u00ednh”, c\u00f9ng n\u1eb1m trong th\u1ebf h\u1ec7 Y, m\u1ed9t nh\u00f3m nh\u1eefng ng\u01b0\u1eddi chi ti\u00eau c\u00f3 k\u1ebf ho\u1ea1ch r\u1ea5t quan t\u00e2m \u0111\u1ebfn vi\u1ec7c s\u1edf h\u1eefu m\u1ed9t c\u0103n nh\u00e0 (b\u1ea5t \u0111\u1ed9ng s\u1ea3n). \u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, vi\u1ec7c s\u1edf h\u1eefu m\u1ed9t c\u0103n nh\u00e0 gi\u1ed1ng nh\u01b0 m\u1ed9t th\u1ee9 g\u00ec \u0111\u00f3 \u0111\u00e1nh d\u1ea5u s\u1ef1 tr\u01b0\u1edfng th\u00e0nh c\u1ee7a b\u1ea3n th\u00e2n, \u0111i\u1ec1u n\u00e0y ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 th\u00e1i \u0111\u1ed9 v\u00e0 quan ni\u1ec7m. H\u1ecd khao kh\u00e1t c\u00f3 th\u1ec3 s\u1edf h\u1eefu b\u1ea5t \u0111\u1ed9ng s\u1ea3n, gi\u1ed1ng nh\u01b0 th\u1ebf h\u1ec7 cha m\u1eb9 h\u1ecd vi\u1ec7c \u0111\u00e1nh d\u1ea5u tr\u01b0\u1edfng th\u00e0nh l\u00e0 nh\u1eefng s\u1ef1 ki\u1ec7n quan tr\u1ecdng trong cu\u1ed9c \u0111\u1eddi nh\u01b0 k\u1ebft h\u00f4n, mua nh\u00e0, c\u00f3 con,…<\/p>\n

Tuy nhi\u00ean, th\u1ef1c t\u1ebf l\u00e0 th\u1ebf h\u1ec7 n\u00e0y cho du khao kh\u00e1t s\u1edf h\u1eefu b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ebfn v\u1eady nh\u01b0ng \u0111i\u1ec1u n\u00e0y v\u1eabn n\u1eb1m ngo\u00e0i t\u1ea7m v\u1edbi do thi\u1ebfu ti\u1ec1n ti\u1ebft ki\u1ec7m. Theo d\u1eef li\u1ec7u t\u1eeb INSIDER v\u00e0 Morning Consulting, c\u00f3 \u0111\u1ebfn 30% s\u1ed1 millennials mu\u1ed1n mua nh\u00e0 nh\u01b0ng l\u1ea1i kh\u00f4ng mu\u1ed1n ti\u1ebft ki\u1ec7m chi ti\u00eau \u0111\u1ec3 mua nh\u00e0. Chi ph\u00ed sinh ho\u1ea1t h\u00e0ng ng\u00e0y v\u00e0 gi\u00e1 nh\u00e0 c\u1eeda cao c\u0169ng l\u00e0 m\u1ed9t nguy\u00ean nh\u00e2n l\u00e0m cho h\u1ecd kh\u00f4ng th\u1ec3 ti\u1ebft ki\u1ec7m ti\u1ec1n \u0111\u1ec3 mua \u0111\u01b0\u1ee3c nh\u01b0 th\u1ebf h\u1ec7n tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n

DTM Consulting t\u1ed5ng h\u1ee3p v\u00e0 bi\u00ean t\u1eadp<\/p>\n

Theo Business Insider<\/p>","protected":false},"excerpt":{"rendered":"

Sunny Israni, doanh nh\u00e2n, c\u1ef1u nh\u00e2n vi\u00ean ph\u1ed1 Wall, M\u1ef9 – ng\u01b0\u1eddi s\u00e1ng l\u1eadp \u1ee9ng d\u1ee5ng ti\u1ec1n Clasp, \u0111\u00e3 d\u00e0nh h\u01a1n 100 gi\u1edd \u0111\u1ec3 ph\u1ecfng v\u1ea5n nh\u00f3m kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng hi\u1ec7n nay – th\u1ebf h\u1ec7 Y (Millennials). Cu\u1ed9c ph\u1ecfng v\u1ea5n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nh\u1eb1m m\u1ee5c \u0111\u00edch t\u00ecm hi\u1ec3u v\u1ec1 th\u00f3i quen ti\u1ec1n b\u1ea1c, th\u00e1i […]<\/p>","protected":false},"author":4,"featured_media":10399,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[74,128,640],"tags":[656,651],"class_list":["post-10318","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-chia-se-kien-thuc","category-marketing-reports","tag-insights-khach-hang","tag-nghien-cuu-thi-truong-tag",""],"_links":{"self":[{"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/posts\/10318","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/comments?post=10318"}],"version-history":[{"count":18,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/posts\/10318\/revisions"}],"predecessor-version":[{"id":11523,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/posts\/10318\/revisions\/11523"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/media\/10399"}],"wp:attachment":[{"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/media?parent=10318"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/categories?post=10318"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/tags?post=10318"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}