The document discusses why financial messaging may not be effective for influencing low-income customers to participate in energy efficiency programs. It describes research showing that while customers say money is a top motivator, financial cues can overwhelm cognitive resources for low-income individuals. An experiment found that financial messaging decreased performance on cognitive tests only for low-income participants. Additionally, while financial prompts may spur some immediate actions, the stresses of poverty may hinder planning and completing multi-step programs. The document recommends avoiding financial-focused messaging for low-income customers.
Empowering Customers with Personalized InsightsCloudera, Inc.
Opower, a Cloudera customer, discusss how they implemented a scalable energy analysis platform that generates personalized insights for millions of people. To date, Opower’s insights have collectively saved over 5 terawatt hours of energy and $500 million in energy bills.
Performing While Transforming: Disrupting as an IncumbentRishi Dean
Here we walk through a case study of how we "disrupted ourselves" at Sittercity to move from a first generation marketplace towards a new on-demand model.
Empowering Customers with Personalized InsightsCloudera, Inc.
Opower, a Cloudera customer, discusss how they implemented a scalable energy analysis platform that generates personalized insights for millions of people. To date, Opower’s insights have collectively saved over 5 terawatt hours of energy and $500 million in energy bills.
Performing While Transforming: Disrupting as an IncumbentRishi Dean
Here we walk through a case study of how we "disrupted ourselves" at Sittercity to move from a first generation marketplace towards a new on-demand model.
Discover how your in-house transfer pricing function compares with others.
This report helps benchmark tax department's transfer pricing policies, systems, risk management practices, budget, plus much more.
This presentation has been done in person at numerous colleges, universities and corporations. It's a simple and easy training document for internal debt collectors.
Beyond Install: Maximizing User Acquisition via Post-Install Events | Anh NguyenJessica Tams
Delivered at Casual Connect Asia 2017. Acquiring high volume of downloads has been a good strategy, however, the ultimate user acquisition goal is to bring high quality users. Revenue generated while high value users make post-install actions such as completing tutorials, entering arena & making in-app purchases. This session will look into understanding the whole user funnel and how to use this data with best practices to maximize your user acquisition campaigns.
What Answers Do I NeedYou will be presented with four cas.docxphilipnelson29183
What Answers Do I Need?
You will be presented with four cases involving ethics and public service. In each case, you are not
provided with an answer. Instead, think about these cases and the additional information that you might
want as you prepare for the first discussion of this unit. Pay particular attention to issues of ethics,
morals and values.
Decision 1
Dave really wants to move up in his government department and is sitting for the civil service test that
will allow him to move up to the next grade. The extra pay he will earn from the promotion will help him
support his young son who has medical issues, and as a single dad, Dave believes that anything that
helps him to keep his boy happy and healthy is justified.
As he works through the multiple-choice section of the test, Dave realizes that he does not have enough
time to finish all of the responses. The woman sitting next to him has finished this part and he can see
her answers. Should Dave cheat and copy her answers, in light of his concerns about the extra pay
enabling him to better care for his son?
Things I might want to know:
• Is the son’s condition temporary or chronic? How sick is he?
• Where is the mother and is she also providing financial support?
• Does the woman sitting next to him really know the answers?
• What are Dave’s chances of successfully navigating the rest of the promotion review?
• What is the position Dave would have if promoted?
• How does this situation fit within Dave’s overall values, and will he feel bad later if he cheats?
• Is cheating ever justified?
Decision 2
After a natural disaster, the poorer people of the community were unable to leave the area, and services
such as water, power and transportation disappeared. Police watched over the streets in an attempt to
maintain the peace. However, because relief services did not seem to be arriving quickly enough, the
people were getting restless and increasing vocal and violent about their needs.
In search of food, people began smashing windows in grocery and convenience stores. Some were
taking food to feed their families, while others were seeing this as a free shopping spree for anything
they believed they could later sell. It was difficult to tell who was truly in desperate need and who was
taking advantage of the situation. The police were not outnumbered, but chose to look the other way
because so many people really did need food and supplies. Should the police officers have enforced the
law and stopped the stealing, or were they justified in trying to help those in need?
Things I might want to know:
• How long had it been since the disaster?
• How many people were stealing?
• How many appear to be in real need, and how many are just looting?
• How close are the relief services?
• What is the environment like – hot, cold, wet, dry, etc.?
• Would the police be mobbed by the angry public?
• Is stealing ever justified?
Decision 3
A flu epidemic of unknown p.
Knowing when to ask for budget or how to get it is the work of developing justification, long hours of discussion, relentless persuasion, and often confusing and disappointing. In this process, we often forget how to apply human-centered design approach and mindset to make the budget process more effective and supportive. In this session, how investing and building a culture and capability of pre-visualisation and rapid prototyping helps generate a demand for design capacity from business stakeholders while promoting a design-driven way of working in organisation.
Diversify your taxable income with 2018 tax changes with Stacey PinskiStacey Pinski
From Sr. Executives to everyday employees, 2018 has never been a better time to start thinking about how to diversify your taxable income and take advantage of the 20% tax deduction allowed for only certain tax payers. I'm not a tax professional, but after studying years of executive compensation and non-profit funding, I know math and how to serve others, and this information will having you learning from your tax professional, wealth advisor, and estate planning attorney to optimize your financial strategies. However, noone will tell you what 4 questions you need to ask if you are going evaluate a business! I only put my name on mathematical research and evidence of how it works with actual real people... and these questions will save you a lot of time sifting through the good opportunities and the GREAT opportunities! Video is going to be on Facebook Live today. Let's meet or get on a conference call and talk about the opportunity for you! It's time to Snowball Your Wealth - for you, your kids, and their future (and maybe even your parents as they depend upon you more and more each year)! Contact me today for your residual income opportunity where scale doesn't have to be what you obsess about to grow your business exponentionally and where possibilities are available beyond what other leaders have made in income! A percentage cut of the deal doesn't have to be in your vocabulary... #TeamWeAllSucceed
Discover how your in-house transfer pricing function compares with others.
This report helps benchmark tax department's transfer pricing policies, systems, risk management practices, budget, plus much more.
This presentation has been done in person at numerous colleges, universities and corporations. It's a simple and easy training document for internal debt collectors.
Beyond Install: Maximizing User Acquisition via Post-Install Events | Anh NguyenJessica Tams
Delivered at Casual Connect Asia 2017. Acquiring high volume of downloads has been a good strategy, however, the ultimate user acquisition goal is to bring high quality users. Revenue generated while high value users make post-install actions such as completing tutorials, entering arena & making in-app purchases. This session will look into understanding the whole user funnel and how to use this data with best practices to maximize your user acquisition campaigns.
What Answers Do I NeedYou will be presented with four cas.docxphilipnelson29183
What Answers Do I Need?
You will be presented with four cases involving ethics and public service. In each case, you are not
provided with an answer. Instead, think about these cases and the additional information that you might
want as you prepare for the first discussion of this unit. Pay particular attention to issues of ethics,
morals and values.
Decision 1
Dave really wants to move up in his government department and is sitting for the civil service test that
will allow him to move up to the next grade. The extra pay he will earn from the promotion will help him
support his young son who has medical issues, and as a single dad, Dave believes that anything that
helps him to keep his boy happy and healthy is justified.
As he works through the multiple-choice section of the test, Dave realizes that he does not have enough
time to finish all of the responses. The woman sitting next to him has finished this part and he can see
her answers. Should Dave cheat and copy her answers, in light of his concerns about the extra pay
enabling him to better care for his son?
Things I might want to know:
• Is the son’s condition temporary or chronic? How sick is he?
• Where is the mother and is she also providing financial support?
• Does the woman sitting next to him really know the answers?
• What are Dave’s chances of successfully navigating the rest of the promotion review?
• What is the position Dave would have if promoted?
• How does this situation fit within Dave’s overall values, and will he feel bad later if he cheats?
• Is cheating ever justified?
Decision 2
After a natural disaster, the poorer people of the community were unable to leave the area, and services
such as water, power and transportation disappeared. Police watched over the streets in an attempt to
maintain the peace. However, because relief services did not seem to be arriving quickly enough, the
people were getting restless and increasing vocal and violent about their needs.
In search of food, people began smashing windows in grocery and convenience stores. Some were
taking food to feed their families, while others were seeing this as a free shopping spree for anything
they believed they could later sell. It was difficult to tell who was truly in desperate need and who was
taking advantage of the situation. The police were not outnumbered, but chose to look the other way
because so many people really did need food and supplies. Should the police officers have enforced the
law and stopped the stealing, or were they justified in trying to help those in need?
Things I might want to know:
• How long had it been since the disaster?
• How many people were stealing?
• How many appear to be in real need, and how many are just looting?
• How close are the relief services?
• What is the environment like – hot, cold, wet, dry, etc.?
• Would the police be mobbed by the angry public?
• Is stealing ever justified?
Decision 3
A flu epidemic of unknown p.
Knowing when to ask for budget or how to get it is the work of developing justification, long hours of discussion, relentless persuasion, and often confusing and disappointing. In this process, we often forget how to apply human-centered design approach and mindset to make the budget process more effective and supportive. In this session, how investing and building a culture and capability of pre-visualisation and rapid prototyping helps generate a demand for design capacity from business stakeholders while promoting a design-driven way of working in organisation.
Diversify your taxable income with 2018 tax changes with Stacey PinskiStacey Pinski
From Sr. Executives to everyday employees, 2018 has never been a better time to start thinking about how to diversify your taxable income and take advantage of the 20% tax deduction allowed for only certain tax payers. I'm not a tax professional, but after studying years of executive compensation and non-profit funding, I know math and how to serve others, and this information will having you learning from your tax professional, wealth advisor, and estate planning attorney to optimize your financial strategies. However, noone will tell you what 4 questions you need to ask if you are going evaluate a business! I only put my name on mathematical research and evidence of how it works with actual real people... and these questions will save you a lot of time sifting through the good opportunities and the GREAT opportunities! Video is going to be on Facebook Live today. Let's meet or get on a conference call and talk about the opportunity for you! It's time to Snowball Your Wealth - for you, your kids, and their future (and maybe even your parents as they depend upon you more and more each year)! Contact me today for your residual income opportunity where scale doesn't have to be what you obsess about to grow your business exponentionally and where possibilities are available beyond what other leaders have made in income! A percentage cut of the deal doesn't have to be in your vocabulary... #TeamWeAllSucceed
1. O P O W E R C O N F I D E N T I A L : D O N O T
D I S T R I B U T E
Don’t Show Me the Money:
Why Not To Choose
Financial Messaging to
Influence Your Low-Income
Customers
Erin Sherman, Opower Product Research
Julie O’Brien, Opower Product Research
2. O P O W E R C O N F I D E N T I A L : D O N O T
D I S T R I B U T E
For low-
income
household
s,money
talks
Attribution of money photo: flickr user Rocky Lubbers
3. O P O W E R C O N F I D E N T I A L : D O N O T
D I S T R I B U T E
If you ask, people will tell you money is a
key motivator
3
4 4.5 5 5.5
The amount of personal information I would have to provide
The convenience of enrolling in the boiler upgrade programme
The amount of time it would take to see if I qualify
The impact on my comfort or the comfort of others in my home
Whether the programme is offered through the government
The effort required to set up installation
Any continuing costs
Whether I had to make an initial payment
The potential to save money long-term
#1: Cost
Self-Reported Importance of Factors
Determining Participation Decision
Client Survey
4. O P O W E R C O N F I D E N T I A L : D O N O T
D I S T R I B U T E
Scarcity
brings
focus . . .
sometimes
to a fault
5. O P O W E R C O N F I D E N T I A L : D O N O T
D I S T R I B U T E
We tested the influence of financial vs.
non-financial calls to action on cognitive
resources
5
Online experiment
Financial condition:
Weatherize your home.
Minimize your bills.
Non-financial
condition:
Weatherize your home.
Maximize your comfort.
6. O P O W E R C O N F I D E N T I A L : D O N O T
D I S T R I B U T E
Financial messaging seizes cognitive
resources, but only from low-income
participants
6
1.22
1.14
1.04
1.13
1.00
1.05
1.10
1.15
1.20
1.25
1.30
Financial
messaging
Non-financial
messaging
Average#ofRaven’sMatricesAnswered
Correctly
Fluid Intelligence Task
Performance
Non-low-income participants
Low income participants
*
4.6
4.4
4.4
4.5
4.0
4.1
4.2
4.3
4.4
4.5
4.6
4.7
4.8
4.9
5.0
Bargain Hunting is
Appealing
Money is Stressful
Financial Stress Items
Assistance Unqualified Assistance Qualified
*
*
Agreementon6-pointLikertScale
Client Survey Product Study
7. O P O W E R C O N F I D E N T I A L : D O N O T
D I S T R I B U T E
7
Receive
free kit
Install bulbs
Sometimes, urgent focus may spur
immediate action in a low-income
household.
8. O P O W E R C O N F I D E N T I A L : D O N O T
D I S T R I B U T E
8
Get
form
Fill out
form
Gather
docs Submit
Wait for callback
Enrol
l
But scarcity effects may impede
planning, navigating, and
completion of multi-step processes.
9. O P O W E R C O N F I D E N T I A L : D O N O T
D I S T R I B U T E
Thank you!
erin.sherman@opower.com
julie.obrien@opower.com
vanessa.gibbin@opower.com
9