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
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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
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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?
I’ve never had an id or anything official using the name in that name. “
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8. an education
consumer
an occupant or
home owner
a healthcare
insured person
a driver and
insured person
an Employee
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9. My Economic Life
Private according to my rights, if only
they were enforced.
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10. Setup, update, read and archive my financial accounts over
my lifetime
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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.
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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
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13. Create/setup, read, update and archive the item and all
associated parts a consumer needs when investing in a vehicle.
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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.
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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
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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.
•
•
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18. “a voice of the customer,
how consumers really feel”
The end
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