21
ENHANCING DIGITAL SKILL TRAINING’S QUALITY
AT UNIVERSITIES TO IMPROVE EMPLOYEE JOB
PERFORMANCES IN VIETNAM’S INSURANCE
COMPANIES
Nguyen Thi Thuy Hong*, Tran Phuong Thao*
Email: hong12g@hou.edu.vn
5HFHLYHG
5HYLVHG
$FFHSWHG
'2,KRXMV
Abstract: The worldwide digital transformation has greatly driven the insurance
industry to change the way of working to gain a competitive edge. Many insurance
companies have focused on providing key skills needed for employees to meet the changing
requirements of the labor force. Employees should be equipped with not only professional
knowledge, career qualities, and soft skills but also digital capacities to serve customers
with the best insurance products. This study aims to identify the impacts of training quality
on employee job performance in Vietnam’s insurance companies regarding digital skills to
meet the digital economy’s demands. To achieve the study’s objectives, the online survey
questionnaire was used to gather data on the impacts of training quality on employees’
job performances regarding digital skills with the participation of 240 respondents from 3
LQVXUDQFHFRPSDQLHVDQGWKUHHXQLYHUVLWLHVLQ9LHWQDP7KH¿QGLQJVGHPRQVWUDWHDSRVLWLYH
correlation between digital skills training and insurance employee’s job performances. The
VWXG\¿QGLQJVZLOOEHKHOSIXOIRUXQLYHUVLWLHVWUDLQLQJRFFXSDWLRQDOLQVXUDQFHLQ9LHWQDPWR
enhance higher education quality and produce a digital workforce for insurance companies
in digital transformation and international integration.
Keywords: insurance training’s quality, insurance employees’ job performances, Vietnam’s
insurance companies, digital skills.
*+DQRL2SHQ8QLYHUVLW\
I. Introduction
5DSLG WHFKQRORJLFDO LQQRYDWLRQV
EULQJIXQGDPHQWDOFKDQJHVLQWKH¿QDQFLDO
VHUYLFHVVHFWRUVHVSHFLDOO\LQWKHLQVXUDQFH
LQGXVWU\ 7KH GLJLWDO WUDQVIRUPDWLRQ KDV
UHVWUXFWXUHG WKH LQVXUDQFH ODERU PDUNHW
GHPDQGLQJ HPSOR\HHV¶ GLJLWDO VNLOOV DQG
FRPSHWHQFLHVWRXWLOL]HGLJLWDOWHFKQRORJLHV
H൵HFWLYHO\ )ROHD  )ROFXW 
2EHUOlQGHUHWDOVWDWHGDJDSH[LVWV
EHWZHHQHPSOR\HHV¶FXUUHQWDQGUHTXLUHG
digital competencies to respond to the
GLJLWDOL]HG ZRUNSODFH 7KLV UHTXLUHV WKH
outcomes of national curriculum reforms
22
LQLQVXUDQFHWUDLQLQJWRLPSURYHVWXGHQWV¶
GLJLWDO VNLOOV 9LHWQDP¶V XQLYHUVLWLHV
WUDLQLQJ RFFXSDWLRQDO LQVXUDQFH KDYH
encountered challenges in producing a
GLJLWDOO\VNLOOHGZRUNIRUFH
,Q IDFW WKH GLJLWDO HFRQRP\¶V
growth requires fundamental changes in
WKHWUDLQLQJLQVXUDQFHZRUNIRUFH7RFDWFK
XSZLWKWKHGLJLWDOZRUNLQJHQYLURQPHQW
Vietnam’s occupational insurance
XQLYHUVLWLHVVKRXOGSD\PXFKDWWHQWLRQWR
LQQRYDWLYH WUDLQLQJ PRGHOV DQG WHDFKLQJ
PHWKRGVWRHTXLSVWXGHQWVZLWKQRWRQO\
professional knowledge and career skills
EXWDOVRGLJLWDOFDSDFLWLHV
5HFHQWO\ PDQ\ UHVHDUFKHUV KDYH
studied the impacts of digital skill training’s
TXDOLW\ LQ KLJKHU HGXFDWLRQ RQ HPSOR\HH
MRE SHUIRUPDQFH 7KH LPSRUWDQFH RI
higher education in enhancing insurance
FRPSDQLHV¶ FXVWRPHU VHUYLFHV LQ ,QGXVWU\
 KDV EHHQ KLJKOLJKWHG LQ WKH ZRUN RI
.DMZDQJ $FFRUGLQJ WR 2EHUOlQGHU
HW DO  WKHUH LV D JDS EHWZHHQ WKH
existing and needed digital competencies
WR UHVSRQG WR WKH FKDOOHQJHV RI WKH IXOO\
GLJLWDOL]HG ZRUNSODFH LQ WKH IXWXUH $Q
LQVX൶FLHQWOHYHORIWKHXVHUV¶ GLJLWDOVNLOOV
FDQ FDXVH WKH LQH൵HFWLYH XWLOL]DWLRQ RI WKH
LQVXUDQFH V\VWHP DQG RWKHU LQIRUPDWLRQ
V\VWHPVSURFHVVLQJWKHGDWD/LQJJD
+RZHYHU WKHUH LV OLWWOH UHVHDUFK RQ WKH
LPSDFWVRIGLJLWDOVNLOOWUDLQLQJDWXQLYHUVLWLHV
RQHPSOR\HHMRESHUIRUPDQFHLQ9LHWQDP¶V
FRQWH[W7KHUHIRUHWKHUHVHDUFKHUVFDUU\RXW
WKLVVWXG\WR¿OOWKHJDS
The paper aims to explore the
LPSDFWV RI WUDLQLQJ TXDOLW\ RQ HPSOR\HH
MRE SHUIRUPDQFH LQ 9LHWQDP¶V LQVXUDQFH
FRPSDQLHV 7KLV VWXG\ LV FDUULHG RXW WR
DFKLHYHWKHIROORZLQJREMHFWLYHV
 7R H[SORUH WKH SRVLWLYH LPSDFWV
RIGLJLWDOVNLOOWUDLQLQJ¶VTXDOLW\LQKLJKHU
HGXFDWLRQRQHPSOR\HHV¶MRESHUIRUPDQFHV
LQ9LHWQDP¶VLQVXUDQFHFRPSDQLHV
 7R SURSRVH UHFRPPHQGDWLRQV
IRU LPSURYLQJ WKH TXDOLW\ RI GLJLWDO VNLOO
training in higher education to enhance
HPSOR\HHV¶MRESHUIRUPDQFHVLQ9LHWQDP¶V
LQVXUDQFHFRPSDQLHV
II. Literature Review
2.1. An overview of previous studies
$FFRUGLQJ WR =KDQJ HW DO 
LQVXUDQFH FRPSDQLHV PXVW EH ÀH[LEOH
LQQRYDWLYH DQG FUHDWLYH WR H[SDQG
WKHLU PDUNHW 'LJLWDO VNLOOV WUDLQLQJ
FDQ HQKDQFH VWXGHQWV¶ FRPSHWLWLYHQHVV
DQG HPSOR\DELOLW\ LQ WHUPV RI GLJLWDO
OLWHUDF\ 7KLV LPSRUWDQW VNLOO LQYROYHV
XQGHUVWDQGLQJ DVVHVVLQJ DQG XVLQJ
WHFKQRORJLHV H൵HFWLYHO\ WR IDFH WKH
FKDOOHQJHVRIWKHGLJLWDOO\EDVHGZRUOG
'DXOD\HWDOHPSKDVL]HWKDW
GLJLWDOVNLOOVWUDLQLQJLQFUHDVHVHPSOR\HHV¶
SHUIRUPDQFH LPSURYHV RUJDQL]DWLRQV¶
SURGXFWLYLW\ SRVLWLYHO\ DQG ZLOO IXUWKHU
FKHFN DQG DUUHVW WKH VHYHUDO KXPDQ DQG
¿QDQFLDO FRVWV LQYROYHG ZLWK HPSOR\HH
WXUQRYHU )XUWKHUPRUH WKH\ DUJXHG WKDW
XQLYHUVLW\ WUDLQLQJ HQDEOHV HPSOR\HHV
to enhance their potential contribution
WR DQ RUJDQL]DWLRQ¶V SHUIRUPDQFH WR D
ODUJHH[WHQWZKLFKOLQNVWRDWHFKQRORJ\
WUDQVIRUPDWLRQ NQRZOHGJH VKDULQJ
GDWD SURFHVVLQJ DQG YDOXH RULHQWDWLRQ
LQWHJUDWLRQ
2.2. Theoretical frameworks
'H¿QLWLRQVRINH\FRQFHSWV
Digital skills
$FFRUGLQJWR9DQ/DDUHWDO
GLJLWDO VNLOOV DUH WKH DELOLW\ WR ZRUN RQ
SURMHFWV DQG GRFXPHQWV VKDUHG LQ RQOLQH
FROODERUDWLYH SODWIRUPV WR ¿QG FUHDWLYH
VROXWLRQV%DUDNXVHDSSOLFDWLRQV
RURSHUDWHGLJLWDOGHYLFHV&DUUHWHURHWDO
 LGHQWLI\ WKH digital skills concern
WKHVL[DUHDVInformation and data literacy
communication and collaborationdigital
content creationsafetyproblem-solving
23
and career-related competencies
Digital Skills Training
6HLIHUW HW DO  GH¿QH digital
skills training as a kind of training that
enables students to acquire the necessary
skills in the digital era. This training can
EH FRQGXFWHG WKURXJK FRXUVHV SUDFWLFDO
H[HUFLVHV VHPLQDUV RU ZRUNVKRSV
LQFOXGLQJ YDULRXV WRSLFV OLNH FRPSXWHU
XVH DSSOLFDWLRQV DQG GLJLWDO SODWIRUPV
WRVXSSRUWHGXFDWLRQDODFWLYLWLHV%HVLGHV
digital skills training should adapt to
changing learning needs and integrate
digital technologies into the teaching and
OHDUQLQJ SURFHVV 'LJLWDO VNLOOV WUDLQLQJ
ZDVGHVLJQHGWRJLYHVWXGHQWVWKHHVVHQWLDO
VNLOOV WR HQJDJH ZLWK NH\ WHFKQRORJLHV
GXULQJWKHLUVWXGLHVLQFOXGLQJWKHYLUWXDO
OHDUQLQJ HQYLURQPHQW DQG 0LFURVRIW
2൶FHZKLFKUHVXOWVLQVWXGHQWV¶VXLWDEOH
GLJLWDOEHKDYLRU5DMLHWDO
Employee Job Performance
$QLWKD  GH¿QHV employee
job performance DV HPSOR\HHV¶ ¿QDQFLDO
RU QRQ¿QDQFLDO RXWFRPHV WKDW GLUHFWO\
FRQQHFW WR RUJDQL]DWLRQV¶ SHUIRUPDQFHV
DQG VXFFHVV $FFRUGLQJ WR <RVLDQD HW
DO  HPSOR\HHV¶ ZRUN TXDOLW\ DQG
TXDQWLW\ DFKLHYHG WKURXJK IXO¿OOLQJ
their assigned duties and responsibilities
LPSURYH WKHLU MRE SHUIRUPDQFH ,Q RWKHU
ZRUGVHPSOR\HHV¶VXFFHVVIXOSHUIRUPDQFH
LQWKHLUJLYHQWDVNVRUDFWLYLWLHVUHJDUGLQJ
WKHLU UHVSRQVLELOLWLHV OHDGV WR DFKLHYLQJ
WKHH[SHFWHGUHVXOWV/HVWDULHWDO
)DFWRUVDৼHFWLQJGLJLWDOVNLOOV
training in higher education
(UWO HW DO  FRQ¿UP WKDW
digital devices’ access to the Internet
and digital tools are the most prominent
IDFWRUV D൵HFWLQJ GLJLWDO VNLOOV WUDLQLQJ
Students with better access to the
Internet and digital tools will possess
EHWWHUGLJLWDOVNLOOV7KHUHDUHGL൵HUHQFHV
EHWZHHQVWXGHQWV¶ GLJLWDOVNLOOOHYHOV GXH
WR WKH GL൵HUHQFHV LQ VWXGHQWV¶ DFFHVV WR
GLJLWDO WRROV DFURVV XQGHUGHYHORSLQJ
DQGGHYHORSHGFRXQWULHVHYHQZLWKLQWKH
GHYHORSHGRQHV
$FFRUGLQJWR2(&'HW DO
gender is another important factor
D൵HFWLQJ VWXGHQWV¶ GLJLWDO VNLOOV EHFDXVH
ZRPHQ¶V DFFHVV WR GLJLWDO GHYLFHV KDV
FRQWLQXRXVO\FKDQJHGg]NDQHWDO
FRQ¿UP WKDW UHVLGHQFH SODFH DOVR D൵HFWV
ZRPHQ¾V GLJLWDO OLWHUDF\ VFRUHV besides
age, educational level, marital status,
and internet usage 8QLYHUVLW\ W\SH DQG
WUDLQLQJVSHFLDOL]HGDUHDFDQEHUHJDUGHG
as the factors that impact students’ internet
DFFHVV DQG WKHUHE\ WKHLU GLJLWDO VNLOOV
+RKOIHOGHWDO
,Q DGGLWLRQ WKH shortage of
technology teachers brings about
SUREOHPV OLNH XQLYHUVLW\ WHFKQRORJ\
OHVVRQV 5HLQVIHOG  /HH  DQG
less instruction for students to master
WHFKQRORJLHV FRQFHUQLQJ FDUHHUV /RYH
HWDO,QRUGHUWRSURYLGHVWXGHQWV
ZLWKGLJLWDOVNLOOVH൵HFWLYHO\WKHFRXUVHV
VKRXOGEHLQVWUXFWHGE\WKHWHDFKHUVZKR
WHDFKGLJLWDOVNLOOV
2.2.3. Impacts of digital skills
training on employee job performance in
insurance companies
:LGRGR  VKRZV WKDW GLJLWDO
VNLOOV WUDLQLQJ SRVLWLYHO\ LPSDFWV
HPSOR\HH MRE SHUIRUPDQFH 7KLV
YLHZSRLQW LV VKDUHG E\ D QXPEHU RI
UHVHDUFKHUV NQRZQ DV 6LODODKL HW DO
6LVZDQWRDQG'DXOD\HWDO
 7KHVH UHVHDUFKHUV FRQFOXGH WKDW
digital skills training promotes real-time
GDWD DFFHVV LPSURYHV GHFLVLRQPDNLQJ
DQGSURGXFWLYLW\DQGSURYLGHVHPSOR\HHV
ZLWK WKH FRPSHWHQFLHV QHHGHG WR XWLOL]H
WHFKQRORJLHVH൵HFWLYHO\DQGHQKDQFHWKHLU
MRESHUIRUPDQFHV6WXGHQWV¶GLJLWDOVNLOOV
LQYROYHWRROV¶DSSOLFDWLRQDQG,&7QDPHO\
big data applications and analyticscloud
computing, Internet of things, blockchain,
24
and DUWL¿FLDO LQWHOOLJHQFH to research
PDUNHWVDQGFRQWDFWFXVWRPHUVSD\PHQWV
and mobile data management in the
LQVXUDQFHVHFWRU/HDK\:LOVRQ
The data FROOHFWHG LQWHUQDOO\
DQG H[WHUQDOO\ VXFK DV WKH FXVWRPHU
UHODWLRQVKLS PDQDJHPHQW &50 V\VWHP
will assist insurance companies in dealing
ZLWK FXVWRPHU FRQWDFW ELOOLQJ PDUNHW
UHVHDUFK VRFLDO PHGLD VHOHFWLRQ DQG
PRELOHGDWDPDQDJHPHQW'LJLWDOLQVXUDQFH
KXPDQUHVRXUFHVEULQJHQRUPRXVYDOXHWR
insurers in terms of a deeper understanding
RIFXVWRPHUEHKDYLRUEUDQGSHUIRUPDQFH
DQGPDUNHWGHYHORSPHQW
'LJLWDO HPSOR\HHV FDQ DSSO\ cloud
computing to store databases based on shared
FRPSXWHUUHVRXUFHVLQVWHDGRIORFDOVHUYHUV
RU SHUVRQDO GHYLFHV &ORXG FRPSXWLQJ
KHOSV LQVXUHUV UHVSRQG PRUH TXLFNO\ WR
business and customer needs changes with
ORZHU FRVWV %HVLGHV LQVXUDQFH HPSOR\HHV
FDQ DSSO\ FORXG FRPSXWLQJ WR UHDFK QHZ
customers and new markets to increase
FXVWRPHUOR\DOW\DQGVXSSRUWQHZEXVLQHVV
PRGHOVDQGDSSOLFDWLRQV
Digital skills enable insurance
KXPDQ UHVRXUFHV WR DSSO\ The Internet
of Things WR FRQQHFW ORJ WUDQVDFWLRQV
DQG FROOHFW GDWD PRUH H൵HFWLYHO\
DOORZLQJLQVXUDQFHHPSOR\HHVWRPDQDJH
VXSSOLHU QHWZRUNV DQG DFFHVV PRUH MRE
RSSRUWXQLWLHV $V WKHVH VPDUW GHYLFHV
DQG V\VWHPV DUH FROOHFWHG VKDUHG DQG
DQDO\]HG HPSOR\HHV KDYH PRUH FKDQFHV
WRRSHUDWHPRGHOVDQGLQWHUDFWZLWKVRFLHW\
DQGEXVLQHVVHQYLURQPHQWV
$FFRUGLQJ WR 'HQL] HW DO 
GLJLWDO LQVXUDQFH HPSOR\HHV FDQ DSSO\
blockchain WHFKQRORJ\ LQ WHUPV RI
intelligent insurance contracts identity
trackerV Gigital record storage DQG
specialized insurance products and reduce
insurance premium costs WRUHGXFHRUHYHQ
DYRLGWKHULVNIURPWKHPDUNHW
'LJLWDO LQVXUDQFH HPSOR\HHV FDQ
DSSO\ DUWL¿FLDO LQWHOOLJHQFH WR LPSURYH
the claims process without human
LQWHUYHQWLRQE\XVLQJWHFKQRORJ\WRUHSRUW
FODLPV FRPSHQVDWLRQ FDSWXUH GDPDJHV
FKHFN WKH V\VWHP DQG FRPPXQLFDWH
ZLWKFXVWRPHUV 0DQ\ GLJLWDOO\±VNLOOHG
LQVXUDQFH HPSOR\HHV KDYH DGRSWHG
WKLV IHDWXUH RI DUWL¿FLDO LQWHOOLJHQFH LQ
FODLPV DQG XQGHUZULWLQJ DXWRPDWLQJ
SURFHVVHV DQG LPSURYLQJ FRQVLVWHQF\
DQG H൶FLHQF\ ,Q IDFW PRUH DQG PRUH
LQVXUDQFHHPSOR\HHVDUHXVLQJLQWHOOLJHQW
YLUWXDO DVVLVWDQFH WR SURYLGH FXVWRPHUV
SHUVRQDOL]HGDVVLVWDQFH
7KURXJKRXW WKH OLWHUDWXUH UHYLHZ
WKHUH LV VWURQJ HYLGHQFH WKDW GLJLWDO
VNLOOV WUDLQLQJ LQ WHUWLDU\ HGXFDWLRQ
KDV GUDPDWLFDOO\ LQÀXHQFHG WKH MRE
SHUIRUPDQFHV RI HPSOR\HHV LQ LQVXUDQFH
FRPSDQLHV +RZHYHU WKH ¿QGLQJV RI
SUHYLRXV VWXGLHV KDYH QRW UHYHDOHG WKHVH
LPSDFWVLQ9LHWQDP¶VFRQWH[W,QOLJKWRI
WKLVWKHUHVHDUFKHUVKDYHEHHQLQWHUHVWHG
LQFRQGXFWLQJWKLVVWXG\WRHQKDQFHGLJLWDO
VNLOOVWUDLQLQJDW9LHWQDP¶VXQLYHUVLWLHVWR
HQDEOH LQVXUDQFH FRPSDQLHV¶ HPSOR\HHV
WRZRUNH൵HFWLYHO\LQWKHGLJLWDOHFRQRP\
III. Methodology
7KHVWXG\XVHGDVXUYH\TXHVWLRQQDLUH
WR LGHQWLI\ VWXGHQWV¶ DQG HPSOR\HUV¶
opinions towards the impacts of digital skills
WUDLQLQJ RQ HPSOR\HH¶V MRE SHUIRUPDQFHV
LQ 9LHWQDP¶V LQVXUDQFH FRPSDQLHV 7KH
VWXG\¶V WDUJHW UHVSRQGHQWV ZHUH 
HPSOR\HHV IURP  LQVXUDQFH FRPSDQLHV
%DR 9LHW /LIH ,QVXUDQFH &RPSDQ\ 'DL
,FKL 9LHWQDP ,QVXUDQFH &RPSDQ\ DQG
3UXGHQWLDO 9LHWQDP ,QVXUDQFH DQG 
VWXGHQWVIURPXQLYHUVLWLHVLQWKH1RUWKRI
9LHWQDP 1DWLRQDO (FRQRPLFV 8QLYHUVLW\
8QLYHUVLW\RI/DERUDQG6RFLDO$൵DLUVDQG
$FDGHP\RI)LQDQFHE\HPDLOIURP$SULO
WR0D\RI
25
7KH VXUYH\ TXHVWLRQQDLUH FRQVLVWV
RI WZR SDUWV WKDW FRQFHUQ WKH VWXG\¶V
REMHFWLYHV 7KH ¿UVW SDUW ZDV WR FROOHFW
WKH UHVSRQGHQWV¶ GHPRJUDSKLF SUR¿OHV
7KH VHFRQG SDUW DLPHG DW LGHQWLI\LQJ
WKH LPSDFWV DQG UHOHYDQFH RI GLJLWDO
VNLOOV WUDLQLQJ LQ XQLYHUVLWLHV WR HQKDQFH
LQVXUDQFHHPSOR\HHMRESHUIRUPDQFH
7KH VXUYH\ TXHVWLRQQDLUH¶V
statements were designed based on the
SRLQW /LNHUW VFDOH =LNPXQG 
UDQJLQJ IURP  VWURQJO\ GLVDJUHH 
GLVDJUHH  QHXWUDO QHLWKHU DJUHH QRU
GLVDJUHH  DJUHH DQG  VWURQJO\
DJUHH 7KH UHVSRQVHV ZHUH SURFHVVHG WR
PHDVXUH WKH DJUHHPHQW OHYHO LQ WHUPV
RI PHDQV DQG VWDQGDUG GHYLDWLRQV 7KH
SRLQW /LNHUW VFDOH ZLWK LWV GHVFULSWLYH
UDWLQJVZDVXVHGLQWKHVXUYH\DVIROORZV
Table 1. Five-point Likert scale for
measurement of agreement level
Scale Range Scale Descriptive Rating
1± 6WURQJO\'LVDJUHH6'
2± 'LVDJUHH'
3± 1HXWUDO1
4± $JUHH$
5± 6WURQJO\$JUHH6$
IV. Findings and Discussion
7KHVXUYH\TXHVWLRQQDLUHZDVFDUULHG
out to gather data on the respondents’
YLHZSRLQWVRQWKHLPSDFWVDQGUHOHYDQFH
RI GLJLWDO VNLOOV WUDLQLQJ LQ XQLYHUVLWLHV
7KHVXUYH\UHVXOWVDUHJHQHUDOL]HGLQWKH
IROORZLQJWDEOHV
Table 2. Employees’ view on the impacts of digital skills training on employee job
performance
The digital skills training has…
Descriptive Statistics
Weighted
mean
S t a n d a r d
deviation
Descriptive
rating
4,PSURYHG\RXUH൶FLHQF\LQFRPSOHWLQJLQVXUDQFHMREWDVNV   A
4(QKDQFHG\RXUDELOLW\WRDQDO\]HDQGLQWHUSUHWGDWDUHODWHG
WRWKHLQVXUDQFHVHFWRU   A
4,PSURYHG\RXUDELOLWLHVWRPDNHGDWDGULYHQGHFLVLRQVLQ
\RXUUROH   N
4,QFUHDVHGDSRVLWLYHLPSDFWRQ\RXURYHUDOOMRESHUIRUPDQFH   A
43URYLGHG\RXZLWKWKHVNLOOVWKDWKDYHFRQWULEXWHGWR\RXU
SURIHVVLRQDOJURZWKLQWKHFRPSDQ\   A
Table 2 presents the respondents’
agreement that digital skills training has
LPSURYHG WKHLU H൶FLHQF\ LQ FRPSOHWLQJ
LQVXUDQFHMREWDVNVZLWKDZHLJKWHGPHDQ
RI  7KH UHVSRQGHQWV KDYH D QHXWUDO
YLHZ WKDW WKH GLJLWDO VNLOOV WUDLQLQJ KDV
LPSURYHG WKHLU DELOLWLHV WR PDNH GDWD
GULYHQ GHFLVLRQV LQ WKHLU UROH ZLWK D
ZHLJKWHGPHDQRI7KHUHVSRQGHQWV
came to an agreement with the three left
LPSDFWV QDPHO\ enhancing employees’
abilities to analyze and interpret data
related to the insurance sector, increasing
a positive impact on employees’ overall
job performance, and providing employees
with the skills that have contributed to
employees’ professional growth in the
companyZLWKWKHZHLJKWHGPHDQRI
DQGDFFRUGLQJO\
7KLV VKRZV WKDW WKH HPSOR\HHV
SHUFHLYHWKDWXQLYHUVLWLHVQHHGWRSD\PRUH
attention to training students’ abilities to
PDNHGHFLVLRQVEDVHGRQWKHGDWDDQDO\VLV
WR HQKDQFH HPSOR\HH¶V SHUIRUPDQFHV LQ
LQVXUDQFHFRPSDQLHV