记者 | 刘怡君
除了身份证，消费者的另一张身份名片——“技术身份”正在生成中。最精明的公司都在争相帮助我们“制作”这张通行证，希望以此读懂每位消费者在数字经济中的潜在需求。
蚂蚁金服依托阿里巴巴的生态系统，坐拥大量的用户交易数据、商户交易数据、物流数据、海关进出口数据。“芝麻信用”这个新身份应运而生，它可以为个人和企业用户，向合作的金融、旅游、电信、租车、租房等机构提供信用证明。
印度金融科技公司Capital Float为客户设计了“数字技能”身份。如果申请人想成为共享出行平台的司机，为此申请贷款购买车辆，或为了成为电商平台卖家而申请启动资金，该公司会审查他们的手机软件更新、使用情况，评估申请人对数字技术的熟悉程度，再决定是否对其放贷。
小米与雀巢合作推出了智能营养健康平台。他们通过小米智能穿戴设备获取用户“健康账户”里的数据，再利用科学算法为其提供个性化营养报告和针对性膳食建议。
这些企业一方面为消费者提供全新的技术体验，另一方面通过 “技术身份”收集消费者的信息。这一举措为它们戴上了“透视镜”，可以让它们更为精准地捕捉消费者的需求、审美和偏好，从而将产品和服务融入消费者的日常生活中，打开之前从未涉足的市场。
埃森哲在其最新发布的《技术展望2019》报告中，将这一全新的竞争形势称为 “懂我经济”。越来越多的企业尝试利用这股浪潮，积极了解用户的“数据人设”，将企业和用户之间一对多的一次性服务，转变为一对一的持久性联系。埃森哲预测，它将引发一轮全新的行业洗牌。
比如，如果保险公司能将健康险产品的定价，与用户的运动、饮食习惯挂钩，它们就能准确识别客户风险，顾客也会因险种的针对性提高自己的忠诚度。埃森哲的一项调研显示，中国消费者考虑更换保险提供商的最主要原因是之前的保险提供商“个性化程度不够”。
众安保险联合了腾讯、丁香园，在用智能血糖仪搜集数据后，推出糖尿病并发症保险。它可以根据用户实时血糖值自动调整保额。比如，一旦用户餐前血糖控制达标，他会得到100元的保额提升，不达标保额则会做相应扣减。
沃尔玛为了区分消费者是购买自用商品，还是寻找用于赠送的礼品，重新设计了网站的技术后台，为他们提供更有针对性的推荐意见。
阿里巴巴用机器学习技术研发了“Fashion AI”工具，基于淘宝上潮人的搭配方案和消费者个人历史购买记录，在实体店内为消费者提供即时的穿搭建议。
居然之家和天猫联手建立了新零售卖场“装修试衣间”，为消费者提供30秒快速生成设计方案、精准报价等服务，尝试让传统费时费力的家装，像搭配衣服一样个性便捷。
埃森哲预测，在“懂你经济”的冲击下，企业竞争将步入一个分水岭：有的企业能为消费者提供无缝的个性化体验，并融入每位用户的生活；有的企业所提供的体验，不符合消费者需求和期待值，最终失去消费者的信任，再无机会与他们建立持久联系。
在此次的调研中，超过4/5的中国受访高管已经意识到这一形势的紧迫性，他们表示，中国市场上庞大、巨量的数字人口特征，将有助于自己把握全新的市场机遇。
不过，“技术身份”在为企业戴上“透视镜”的同时，也在让市场环境变得未知多变、纷繁复杂。消费者有时希望接触更多技术，有时却希望其隐私生活不受技术干扰。想要与他们建立并保持长期关系，企业需要准确感知不同人群的动态需求，在关键节点上权衡消费者的利益与商业机遇，做出两全其美、互不伤害的决策。 财神道 www.130510.com
文章评论
I was just telling my friend about that.
Thanks to my father who shared with me on the topic of this
website, this weblog is in fact remarkable.
It's an remarkable article designed for all the web users; they will take advantage from it I am sure.
Why users still make use of to read news papers when in this technological world the whole thing is available on net?
Heya i am for the first time here. I found this board and I to find It really useful & it helped
me out much. I am hoping to offer something again and help others
such as you aided me.
I'm not sure why but this web site is loading extremely slow
for me. Is anyone else having this issue or is it a
issue on my end? I'll check back later and see if
the problem still exists.
This website definitely has all of the information and facts I wanted about
this subject and didn't know who to ask.
Amazing! Its really amazing post, I have got much clear idea on the topic
of from this post.
I go to see every day a few blogs and websites to read content, however this weblog presents feature
based writing.
bookmarked!!, I really like your site!
I've been browsing online more than three hours today, yet
I never found any interesting article like yours. It is pretty worth enough
for me. In my opinion, if all site owners and bloggers made good content as you did, the web will be much more
useful than ever before.
This post presents clear idea designed for the new people of blogging, that
actually how to do blogging and site-building.
I’m not that much of a internet reader to
be honest but your blogs really nice, keep it up!
I'll go ahead and bookmark your site to come back later.
Many thanks
I don't know if it's just me or if perhaps everybody else encountering issues with your blog.
It looks like some of the written text in your posts are
running off the screen. Can someone else please provide
feedback and let me know if this is happening to
them too? This could be a issue with my browser because I've had this happen before.
Thanks
I have been exploring for a bit for any high-quality articles or weblog posts in this
sort of house . Exploring in Yahoo I eventually
stumbled upon this web site. Studying this info So i'm satisfied to show that I've a very just right uncanny feeling I found out exactly what I needed.
I most no doubt will make certain to do not
omit this web site and provides it a glance on a relentless
basis.
bookmarked!!, I love your site!
Wonderful views on that!
Дивитися фільми українською мовою онлайн в HD якості <a href="http://bit.ly/grenlandiyafilm">гренландія</a>
Тор: Любовь и гром http://clck.ru/rbT4C Тор Любовь и гром смотреть