e nagu e-teenus?peeter marvetmeediahäkker

miks edukas?

1. universaalne

(mitte ainult eBay,mitte ainult xyzBank)

2. sobib kasutustavadega

3. pealiskiht olemasolevale

e-teenusedja krediteerimine?

meil on toode,vaja müüa

Keane, Inc 2006

mida arvabsellest klient?

“intellektuaalselt huvitav probleem”

Keane, Inc 2006

0.0%

20.0%

40.0%

60.0%

80.0%

100.0%

Targeted to my

needs

The information that

I'm looking for

(Has) all the tools

and features that I

need

Helpful to my

financial

product/planning

process

I value the advice

given on my

financial

institution's website

% o

f R

esp

on

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ts W

ho

Str

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gly

Ag

ree

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Strongly Agree Mean

Keane, Inc 2006

Me

an

Av

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ge

Ca

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tin

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rom

Fin

an

cia

l In

sti

tuti

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s

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View acc

ount

s

Pro

duct

/rat

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form

atio

n

Fund

s tran

sfer

Bill P

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Loan

app

licat

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Cre

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Trac

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Bud

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Goa

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% U

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Acti

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1

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Kathy Sierra @ headrush.typepad.com

Kathy Sierra @ headrush.typepad.com

Kathy Sierra @ headrush.typepad.com

Center for Responsible Lending, 2006

Keane, Inc 2006

4%

61%

35%

Aspiring Planners

Super Planners

Non-Planners

minu L-teenus

kasutajad:siim (9)

kaarel (7)

taskuraha püsikorraldus

planeerimineboonus

vähendab impulssi

skaleerime“minu teenust”

raha?

10$ / kuu

reklaam

muu teenus

because effect

When something that was originally scarce starts becoming abundant, something strange happens.You find that you start making money because of that thing rather than with that thing.That’s the Because Effect.

kui sina oled minu info agregaator, siis saad

sa teha mulle pakkumise

kui sa oled müüja, siis minu jaoks on mugav

kui sa tunned mu agregaatorit

kui sa pakud krediiti, siis kuidas saan mina mõjutada reitingut?

eesti?

karmim pangaturvaväike turg

isikuandmete kaitse

tnx!