A consumers point of view
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The five capability model in a consumer use case, with the various parts of the system and privacy from the consumers point of view.
A consumers point of view
- 1. Wicked Design Solutions Lisa Martinez
- 2. Generic Components Person Person with relationships to a legal entity Person in a retail transaction Person elects to buy an asset Financial Management Offer Management Capability Expense and Revenue Transaction Capability Person commits to an investment Expense for finance company Revenue to Dealership Expense to the consumer 2013 @ Copyright WICKED Design Solutions
- 3. Party Management Offer Management Products/Software Services Financial Management Location Pricing and interest with tax and duty fees Structure of financing Transaction Capabilities Employee Supplier Customer Consumer a point in time transaction between two legal entities An expense A Revenue 2013 @ Copyright WICKED Design Solutions
- 4. 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 2013 @ Copyright WICKED Design Solutions
- 5. Personal Information Birth Record Social Education Security # Records Health Records Driving and Insurance Records Any company can collect these details from a number of sources. Voice of the customer My fathers name was never used other than k-6th grade. Can you tell me how my data as a minor was sold to a search company? Ive never had an id or anything official using the name in that name. 2013 @ Copyright WICKED Design Solutions
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- 7. Personal Information Banking Professional Networks To get these services Social Networking Birth Record Social Security # School Job Person Car Phone Education Records Health Records Each assigns an ID 2013 @ Copyright WICKED Design Solutions Driving and Insurance Records
- 8. an education consumer an occupant or home owner a healthcare insured person a driver and insured person an Employee 2013 @ Copyright WICKED Design Solutions
- 9. My Economic Life Private according to my rights, if only they were enforced. 2013 @ Copyright WICKED Design Solutions
- 10. Setup, update, read and archive my financial accounts over my lifetime 2013 @ Copyright WICKED Design Solutions
- 11. 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? When I buy a car, I may sign a release. My choice to release this information. 2013 @ Copyright WICKED Design Solutions
- 12. 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 Generic Accounts 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 Outcomes 2013 @ Copyright WICKED Design Solutions
- 13. Create/setup, read, update and archive the item and all associated parts a consumer needs when investing in a vehicle. 2013 @ Copyright WICKED Design Solutions
- 14. An investment A consumer buys a car 2013 @ Copyright WICKED Design Solutions
- 15. 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. 2013 @ Copyright WICKED Design Solutions
- 16. Manufacturer builds a thing A finance company invest in the thing for the consumer An insurance broker will charge for full coverage The Thing a Car Dealership or Broker Acquires the Things from MFG A consumer buys or commits to finance a things 2013 @ Copyright WICKED Design Solutions
- 17. 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. Private Industry Localization any geography For a profit indicates several things around tax and reporting to the Security Exchange Commission. 2013 @ Copyright WICKED Design Solutions
- 18. a voice of the customer, how consumers really feel The end 2013 @ Copyright WICKED Design Solutions