a consumers point of view
DESCRIPTION
The five capability model in a consumer use case, with the various parts of the system and privacy from the consumers point of view.TRANSCRIPT
Five Capabilities “a Consumer” point of view
Wicked Design SolutionsLisa Martinez
• Person • Person with relationships to a legal entity
Generic Components
• Person elects to buy an asset• Financial Management• Offer Management Capability
Person in a retail transaction
• Person commits to an investment• Expense for finance company• Revenue to Dealership
• Expense to the consumer
Expense and Revenue Transaction Capability
Table of Contents
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• Employee• Supplier• Customer• Consumer
Party Management
• Products/Software • Services
Offer Management
• Location• Pricing and interest with tax and duty fees• Structure of financing
Financial Management
• a point in time transaction between two legal entities• An expense • A Revenue
Transaction Capabilities
Generic Components
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Management Capability◦ Manage the create, read and update with managed record retention
versus delete or purge. Business Activities must be grouped in a series of Task to ensure due
diligence. ◦ ETL – Integration technology must not alter inputs in backend
processes. Be mindful of physical tables
Transaction Capability◦ Expense◦ Revenue
Party
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Any company can collect these details from a number of sources.
Voice of the customer◦ “My fathers name was never used other than k-6 th grade.
Can you tell me how my data as a minor was sold to a search company? I’ve never had an id or anything official using the name in that name. “
A person protects
Birth RecordSocial
Security #Education Records
Health Records
Driving and Insurance Records
Personal Information
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Consumer Privacy - Protect
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School
Person
Car
Social Networking
Job
Phone
Banking
Personal Identifiable Information
Professional Networks
To get these services
Each assigns an ID
Birth Record
Social Security #
Education Records
Health Records
Driving and Insurance Records
PersonalInformation
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an education consumer
a driver and insured person
an Employeea healthcare
insured person
an occupant or home owner
A person Basic needs for each consumer
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My Economic LifePrivate according to my rights, if
only they were enforced.
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2013 @ Copyright WICKED Design Solutions
Financial Management Capability
Setup, update, read and archive my financial accounts over my lifetime
When I buy a car, I may sign a release. My choice to release this information.
People from outside my company who try to inquire at my employer, must have a signed release. ◦Then why are social media companies publishing
this openly on the web? My employer has policies to prevent
employees from talking about their salaries. ◦Then why is my salary published openly on the
web?
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2013 @ Copyright WICKED Design Solutions
Financial Companies
Generic Accounts Outcomes
A personal checking and/or savings account◦ Savings accounts for your children
A joint account A line of credit A car loan A home loan A business loan A retirement plan
You will need insurance on most loans◦ Car◦ Home◦ Business
You will be issued a debit/credit card
You will have scheduled payments
You may use online bill pay
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Offer Management CapabilityCreate/setup, read, update and archive the item and all
associated parts a consumer needs when investing in a vehicle.
An investmentA consumer buys a car
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When I choose a car.◦The expense transaction is intended to be a
revenue for the dealer, but I pay the finance company. I negotiate with the employees at the dealership. I expect the finance company chosen by the
dealership to honor our deal.
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The system is broken in parts
The Thing
“a Car”
Manufacturerbuilds a thing
Dealership or Broker
Acquires the Things from
MFG
A consumer buys or
commits to finance a things
An insurance broker will
charge for full coverage
A finance company invest in the thing for the consumer
The System
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Private Industry• Localization – any geography
• For a profit indicates several things around tax and reporting to the Security Exchange Commission.
Anywhere in the world we have things organizations sell in the private sector to customers of many types and sizes.
Anywhere in the world a consumer may purchase with cash or credit through a finance company.◦A finance company may make an investment in a
legal binding relationship with the consumer who becomes the finance companies customer.
2013 @ Copyright WICKED Design Solutions
2013 @ Copyright WICKED Design Solutions
“a voice of the customer, how consumers really feel”
The end