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HELGE
TENNØ
JOKULL
PREMIUM PUZZLE
The customer gap,
and future of CUSTOMER INTERACTIONs
WWW.180360720.NO
IMAGE BY DAMON JAH ON FLICKR:
HTTPS://WWW.FLICKR.COM/PHOTOS/DAMONJAH/
INCLUDES LINKS TO THEse CANVASES:
HOW DO WE IDENTIFY A
CUSTOMER?
HOW HAS THE BARRIERS TO
BECOMING A CUSTOMER
CHANGED?
WHAT CAN CUSTOMERS
LEARN FROM US?
WHAT JOB ARISES IN THE
CUSTOMERS LIFE THAT
CAUSES HER TO HIRE
OUR PRODUCT?
WHO ELSE IS SOLVING
THE CUSTOMERS JOB?
WHAT IS OUR CUSTOMER GAP?
WHAT IS OUR CUSTOMER GAP? HELGE
TENNØ
JOKULL
180360720.NO | JOKULL.IO
FROM A CUSTOMER
PERSPECTIVE; WHAT JOB
DOES ‘MARKETING’ SOLVE?
how can MARKETING help
companies CREATE AND capture
future customer value?
1A 1B WHAT ARE WE DOING THAT DIRECTLY IMPACTS CUSTOMER VALUE?
HOW ARE WE GOING TO SERVE THE CUSTOMERS BETTER?
WHAT IS THE MOST VALUED OUTCOME WE CAN HELP
THE CUSTOMER PRODUCE?
HOW CAN THE CUSTOMER BENEFIT FROM FURTHER
INDIVIDUALIZATION OF OUR EXPERIENCE?
HOW CAN THE CUSTOMER BENEFIT FURTHER FROM
VALUE TRANSFORMATION?
HOW DOES CORE BUSINESS AND
INDUSTRY-THINKING LIMIT OUR
ABILITY TO COMPETE?
HOW DO WE CAPTURE WHAT VALUE
FROM THE CUSTOMER?
WHAT IS OUR CUSTOMER EXPERIENCE?
(COMPANIES SELL CUSTOMER INTERFACES / EXPERIENCE - NOT PRODUCTS)
SOURCE, The canvas comprises several thoughts on customer value:
- Day II Parallel Session 3: The Creative Economy - New Management Practices for the 21st Century, Steve Denning, https://youtu.be/XESGMOsfzAs
- Accenture Technology Vision 2015/Theme: The Outcome Imperative, Prith Banerjee, Managing Director, Global Technology R&D at Accenture, http://techtrends.accenture.com/us-en/intelligent-hardware-outcome-economy.html
- Creating value in the age of distributed capitalism, Shoshana Zuboff, http://www.mckinsey.com/insights/strategy/creating_value_in_the_age_of_distributed_capitalism
- Sharing’s Not Just for Start-Ups, Rachel Botsman, https://hbr.org/2014/09/sharings-not-just-for-start-ups
HOW CAN WE CREATE AND
CAPTURE CUSTOMER VALUE?
HELGE
TENNØ
JOKULL
180360720.NO | JOKULL.IO
VISIT 180360720.NO FOR MORE THOUGHT LEADERSHIP ARTICLES ON TECHNLOLOGY, BUSINESS AND DESIGN
“Marketing is not
a function; it is the
whole business
seen from the
customer’s point
of view.”
- PETER DRUCKER -
CORE IDEA / GAP / CHALLENGE DISCUSSED IN THE TALK:
A. from a customer
perspective; what job
does ‘marketing’ solve?
CORE IDEA / GAP / CHALLENGE DISCUSSED IN THE TALK:
A. from a customer
perspective; what job
does ‘marketing’ solve?
B. how can MARKETING
help companies CREATE
AND capture future
customer value?
the premium puzzle
The Customer Gap, Premium Puzzle And Future Of Customer Interactions
- CHRISTIAN MADSBJERG AND MIKKEL B. RASMUSSEN,
HBR.ORG, AN ANTHROPOLOGIST WALKS INTO A BAR
link
The biggest challenge CEOs face is the so called
complexity gap.
CEOs see a lack of customer
insight as their biggest deficit
in managing complexity. ..
And rank “customer
obsession” as the most
critical leadership trait.
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
CHANGES IN BEHAVIOR, DRIVERS, CATEGORIES AND PRODUCTS
FIVE CUSTOMER GAPS:
THE KNOWLEDGEABLE
CUSTOMER PEOPLE AND
COMPANIES HAVE
CHANGED HOW THEY SHOP
- AND OUR TOOLS NEED TO
CHANGE WITH THEM
NEW HABITS AND BEHAVIORS
CHANGE THE IMPORTANCE OF
ESTABLISHED MECHANISMS
THE PRODUCT IS
INFRASTRUCTURE- WHAT JOB IS
THE CUSTOMER HIRING US TO
DO - AND HOW COULD WE
DELIVER ON THIS JOB?
THE COMPETITION ISN’T
NECESSARILY THOSE WHO
LOOK AND FEEL IDENTICAL TO
YOU - THE MOST LETHAL
COMPETITION COMES FROM
THE OUTSIDE
DO YOU UNDERSTAND YOUR
CUSTOMER - WHAT ARE
CUSTOMERS PAYING FOR?
HELGE
TENNØ
JOKULL
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
NEW HABITS AND BEHAVIORS
CHANGE THE IMPORTANCE OF
ESTABLISHED MECHANISMS
EVEN IF THE EMOTIONAL DRIVERS FOR
BUYING A CAR ARE SIMILAR TODAY AS IT WAS
IN THE 1980’S, THE LOYALTY TOWARDS CAR
BRANDS HAVE FALLEN FROM 60% TO 20% IN
THE PERIOD.
- THE REASON IS THE INTERNET. HOW PEOPLE
ARE BUYING CARS ARE DIFFERENT, NOT WHY
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
NEW HABITS AND BEHAVIORS
CHANGE THE IMPORTANCE OF
ESTABLISHED MECHANISMS
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
NEW HABITS AND BEHAVIORS
CHANGE THE IMPORTANCE OF
ESTABLISHED MECHANISMS
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
how has
the barriers
to becoming
a customer
changed?
QUESTION:
THE KNOWLEDGEABLE
CUSTOMER PEOPLE AND
COMPANIES HAVE
CHANGED HOW THEY SHOP
- AND OUR TOOLS NEED TO
CHANGE WITH THEM
CUSTOMERS ARE MORE KNOWLEDGEABLE. READING UP ON COMPANIES AND
THEIR COMPETITORS PRODUCTS ONLINE BEFORE EVEN APPROACHING THEM.
THEY ARE REQUESTING MORE INFORMATION AND CONTENT ABOUT THE
PRODUCTS AND JOBS THEY ARE DOING - THE PHASE OF ACTIVE EVALUATION
BECOMES THE BEST PLACE TO BE FOR BRANDS WHO WANT TO POSITION
THEMSELVES AND MAKE THEMSELVES VISIBLE.
THIS REQUIRES OTHER MARKETING TOOLS THAN TRADITIONAL DISPLAY AND
STORYTELLING, AND IT CHANGES PEOPLES PROPENSITY TO BE AFFECTED BY
TRADITIONAL EMOTIONAL ADVERTISING
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
ACTIVE EVALUATION
LOYALTY LOOP
POST PURCHASE EXPERIENCE
INFORMATION GATHERING, SHOPPING
After purchasing a product or service the
consumer builds expectations based on
experience to inform the next decision journey
The consumer considers an initial set of brands,
based on brand perceptions and exposure to
recent touch points
Consumers add or subtract brands as they
evaluate what they want
Ultimately, the consumer selects a
brand at the moment of purchase
MOMENT OF
PURCHASE
INITIAL
CONSIDERATION
SET
1.
2.
3.
4.
THE NEW SIRLOIN OF MARKETING
2009
THE KNOWLEDGEABLE
CUSTOMER PEOPLE AND
COMPANIES HAVE
CHANGED HOW THEY SHOP
- AND OUR TOOLS NEED TO
CHANGE WITH THEM
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
the knowledgeable
customer & the new
sirloin of marketing
THE KNOWLEDGEABLE
CUSTOMER PEOPLE AND
COMPANIES HAVE
CHANGED HOW THEY SHOP
- AND OUR TOOLS NEED TO
CHANGE WITH THEM
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
THE KNOWLEDGEABLE
CUSTOMER PEOPLE AND
COMPANIES HAVE
CHANGED HOW THEY SHOP
- AND OUR TOOLS NEED TO
CHANGE WITH THEM
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
What can
customers
learn from
us?
QUESTION:
THE PRODUCT IS
INFRASTRUCTURE- WHAT JOB IS
THE CUSTOMER HIRING US TO
DO - AND HOW COULD WE
DELIVER ON THIS JOB?
CUSTOMERS DON’T BUY PRODUCTS, THEY HAVE A JOB TO DO
AND HIRE YOUR PRODUCT TO HELP THEM WITH THIS JOB.
UNDERSTANDING AND DESIGNING YOUR OFFERING AS A PART
OF CUSTOMERS CONTEXT / JOB CREATES THE OPPORTUNITY
TO BECOME MORE MEANINGFUL AND PRESENT IN THEIR LIVES
- OUTSMARTING THE COMPETITION.
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
THE PRODUCT IS
INFRASTRUCTURE- WHAT JOB IS
THE CUSTOMER HIRING US TO
DO - AND HOW COULD WE
DELIVER ON THIS JOB?
YARA PRODUCES THE BEST FERTILIZER IN THE WORLD. BUT FARMES DON’T BUY FERTILIZER - THEY DO WHATEVER THEY CAN TO GET THE BEST CROPS POSSIBLE.
TO DO THIS FARMERS DON’T ONLY NEED FERTILIZER, THEY ALSO NEED TO KNOW WHEN, WHERE AND HOW MUCH TO FERTILIZE WITH WHAT. OFFERING
ANSWERS TO THIS THROUGH SENSORS AND TECHNOLOGIES ON FARMING EQUIPMENT AND OUT IN THE FIELDS CAN CREATE A DAILY RELATIONSHIP WITH
FARMERS, OFFERING FAR MORE THAN JUST BAGS OF FERTILIZER ON A TRUCK ONCE A MONTH.
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
JOBS-TO-BE-DONE
THE PRODUCT IS
INFRASTRUCTURE- WHAT JOB IS
THE CUSTOMER HIRING US TO
DO - AND HOW COULD WE
DELIVER ON THIS JOB?
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
THE PRODUCT IS
INFRASTRUCTURE- WHAT JOB IS
THE CUSTOMER HIRING US TO
DO - AND HOW COULD WE
DELIVER ON THIS JOB?
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
THE PRODUCT IS
INFRASTRUCTURE- WHAT JOB IS
THE CUSTOMER HIRING US TO
DO - AND HOW COULD WE
DELIVER ON THIS JOB?
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
THE PRODUCT IS
INFRASTRUCTURE- WHAT JOB IS
THE CUSTOMER HIRING US TO
DO - AND HOW COULD WE
DELIVER ON THIS JOB?
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
What job arises in
the customers life
that causes HER to
hire our product?
QUESTION:
THE COMPETITION AREN’T
NECESSARILY THOSE WHO
LOOK AND FEEL IDENTICAL TO
YOU - THE MOST LETHAL
COMPETITION COMES FROM
THE OUTSIDE
IF YOU ASKED A CONVENIENCE STORE IN OSLO IN
2012 WHAT THE BIGGEST THREAT WOULD BE IN 2013
THEY WOULD POINT TO THE OTHER SIDE OF THE
STREET AND SAY - ‘IF A COMPETING CONVENIENCE
STORE OPENS OVER THERE’.
THE WORST THING THAT DID HAPPEN WAS THE
MOBILEPHONE TICKET ORDERING APPLICATION FOR
THE PUBLIC TRANSPORT COMPANY.
THE PROBLEM BEING THAT THE STORES ALL KNEW
ABOUT THE APP, BUT NOBODY DID ANYTHING
BECAUSE THE THREAT DIDN'T LOOK IDENTICAL TO
THEMSELVES.
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
THE COMPETITION ISN’T
NECESSARILY THOSE WHO
LOOK AND FEEL IDENTICAL TO
YOU - THE MOST LETHAL
COMPETITION COMES FROM
THE OUTSIDE
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
THE COMPETITION ISN’T
NECESSARILY THOSE WHO
LOOK AND FEEL IDENTICAL TO
YOU - THE MOST LETHAL
COMPETITION COMES FROM
THE OUTSIDE
THE MAP SHOWS HOW PATENTS IN USA ARE CONNECTED CROSS-INDUSTRIES (COLORS ILLUSTRATE
INDUSTRIES AND LINES BETWEEN THEM PATENS). THERE ARE NO INDUSTRIES ANYMORE.
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
“THESE PEOPLE AREN’T
EVEN TRYING TO DISRUPT
YOUR BUSINESS MODEL.
YOU ARE JUST
COLLATERAL DAMAGE.”
- EDDIE JOON -
THE COMPETITION ISN’T
NECESSARILY THOSE WHO
LOOK AND FEEL IDENTICAL TO
YOU - THE MOST LETHAL
COMPETITION COMES FROM
THE OUTSIDE
THE TICKET APPLICATION FROM THE TRANSPORTATION COMPANY WASN’T EVEN TRYING TO DISRUPT THE
CONVENIENCE STORES, THE STORES WERE JUST COLLATERAL DAMAGE. ACCENTURE SUGGEST THAT THE BEST
CUSTOMER EXPERIENCE OR CUSTOMER SERVICE WINS - CUSTOMERS DON’T CARE ANYMORE WHO OFFERS THEM.
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
THE COMPETITION ISN’T
NECESSARILY THOSE WHO
LOOK AND FEEL IDENTICAL TO
YOU - THE MOST LETHAL
COMPETITION COMES FROM
THE OUTSIDE
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
who else is
solving the
customers
job?
QUESTION:
DO YOU KNOW WHAT YOUR CUSTOMER IS PAYING
FOR? WHAT YOU THINK IS THE PRODUCT MIGHT NOT
BE THE PRODUCT.
DO YOU HAVE THE RIGHT CUSTOMER DATA?
DO YOU UNDERSTAND YOUR
CUSTOMER - WHAT ARE
CUSTOMERS PAYING FOR?
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
DO YOU UNDERSTAND YOUR
CUSTOMER - WHAT ARE
CUSTOMERS PAYING FOR?
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
DO YOU UNDERSTAND YOUR
CUSTOMER - WHAT ARE
CUSTOMERS PAYING FOR?
1662
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
.AC
ANSWER:DEMOGRAPHICS
DO YOU UNDERSTAND YOUR
CUSTOMER - WHAT ARE
CUSTOMERS PAYING FOR?
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
DO YOU UNDERSTAND YOUR
CUSTOMER - WHAT ARE
CUSTOMERS PAYING FOR?
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
HOSPITALITY
IDENTIFIES
CUSTOMERS BASED
ON HOW THEY BUY
THE PRODUCT - NOT
HOW THEY
EXPERIENCE IT
DO YOU UNDERSTAND YOUR
CUSTOMER - WHAT ARE
CUSTOMERS PAYING FOR?
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
HOW DO WE
IDENTIFY A
CUSTOMER?
QUESTION:
CHANGES IN BEHAVIOR, DRIVERS, CATEGORIES AND PRODUCTS
FIVE CUSTOMER GAPS / ASSYMETRIC COMPETITION:
THE KNOWLEDGEABLE
CUSTOMER PEOPLE AND
COMPANIES HAVE
CHANGED HOW THEY SHOP
- AND OUR TOOLS NEED TO
CHANGE WITH THEM
NEW HABITS AND BEHAVIORS
CHANGE THE IMPORTANCE OF
ESTABLISHED MECHANISMS
THE PRODUCT IS
INFRASTRUCTURE- WHAT JOB IS
THE CUSTOMER HIRING US TO
DO - AND HOW COULD WE
DELIVER ON THIS JOB?
THE COMPETITION ISN’T
NECESSARILY THOSE WHO
LOOK AND FEEL IDENTICAL TO
YOU - THE MOST LETHAL
COMPETITION COMES FROM
THE OUTSIDE
DO YOU UNDERSTAND YOUR
CUSTOMER - WHAT ARE
CUSTOMERS PAYING FOR?
PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
HOW DO WE IDENTIFY A
CUSTOMER?
HOW HAS THE BARRIERS TO
BECOMING A CUSTOMER
CHANGED?
WHAT CAN CUSTOMERS
LEARN FROM US?
WHAT JOB ARISES IN THE
CUSTOMERS LIFE THAT
CAUSES HER TO HIRE
OUR PRODUCT?
WHO ELSE IS SOLVING
THE CUSTOMERS JOB?
WHAT IS OUR CUSTOMER GAP?
WHAT IS OUR CUSTOMER GAP? HELGE
TENNØ
JOKULL
180360720.NO | JOKULL.IO
FROM A CUSTOMER
PERSPECTIVE; WHAT JOB
DOES ‘MARKETING’ SOLVE?
how can MARKETING help
companies CREATE AND capture
future customer value?
1A 1B
link
5OPPORTUNITIES
TO SPARK YOUR IMAGINATION
IMAGE BY ERIC FISCHER ON FLICKR.COM
HOW CAN WE CREATE AND
CAPTURE CUSTOMER VALUE?/
THE
CONCENTRATED
MODEL 

& 

THE HIDDEN 

SPACE
IMAGE BY KYLE LAD ON FLICKR.COM
1.
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
ACTIVE
OR
PASSIVE
2.
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
PARTI:COMPANEISAREDESIGNEDTOKEEPCUSTOMERSOUT
The idea that customers benefit from engagement
with their insurance needs is part of Progressive’s
philosophy.
Encouraging the use of
products and services that
foster active involvement,
we can improve the
experience for everyone.
link
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
link
3.
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
This makes customer activation an
integrated part of the product
and it makes marketing and products the
same thing - because they both have to
accommodate and work on the premise of
the customer.
THE THIRD WAVE OF TECH.
WELCOME TO
WHAT TECHNOLOGY IS BRINGING NOW ISN’T JUST IMPROVEMENTS AND EFFICIENCY AROUND THE
PRODUCT - IN THE COMPANY’S INTERNAL AND EXTERNAL VALUE CHAINS - IT IS CHANGES TO THE
NATURE OF THE PRODUCTS THEMSELVES.
the new nature of products
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
“we will be moving from transaction base
to engagement base. The company needs
to provide a service to you, not a box.
Value transformation processes will be
delivered a long with a business model”
- DR. JESSE JIJUN LUC, HUAWEI TECHNOLOGIES CO. LTD. @CEBIT2015
VALUE
TRANSFORMATION
PROCESS
4.
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
BUT, THE ANSWER TO QUESTIONS LIKE
‘WHY DO CUSTOMERS BUY FROM US?’
DON’T RESIDE IN PRODUCTS. THEY
RESIDE ALMOST ENTIRELY IN THE
INTERACTIONS THAT TAKE PLACE IN THE
MARKETPLACE.”
“TO MANY MANAGERS, THE PRODUCT IS THE BUSINESS”
WRITES NIRAJ DAWAR IN TILT.
“FIRMS CONTINUE TO SPEND INORDINATE AMOUNTS OF TIME,
EFFORT, AND RESOURCES ON THEIR PRODUCTS. IN FACT,
BUSINESSES ARE STRUCTURED AROUND THEIR PRODUCTS…
- STEVE DENNING -
the customer interface5.
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
THESE COMPANIES REALIZE THAT THE MODERN AGE IS A TIME OF
SCARCE ATTENTION AND ABUNDANT CONNECTIVITY, WHERE
SMARTPHONES ARE OUR PRIMARY ACCESS AND POINT TO
EVERYTHING; WHERE MONEY AND EVERYTHING IS DIGITAL; 
- TOM GOODWIN -
where the interface layer
is where the profit is;
your companies most
profound business.
WHERE PHYSICAL ASSETS AND EMPLOYEES ARE LIABILITIES;
and where providing a slick, best in
class human experience will create
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
link
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
link
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
“Customer experience …
is a fundamental dimension
of how a company competes.”
- JOSEPH PINE, COINED THE TERM EXPERIENCE ECONOMY
HBR, DISNEY, ADVANCING THE CUSTOMER EXPERIENCE
link
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
product
in a classic setup where the marketing and the
product collaborates - but have different roles
you either see marketing like this…
marketing
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
2009
the product is just an object.
what makes it meaningful,
useful and valuable are the
interactions that are designed
around it.
- marketing
- content
- meeting places
- social interactions
interactions
product
or you see it like this:
PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
WHAT ARE WE DOING THAT DIRECTLY IMPACTS CUSTOMER VALUE?
HOW ARE WE GOING TO SERVE THE CUSTOMERS BETTER?
WHAT IS THE MOST VALUED OUTCOME WE CAN HELP
THE CUSTOMER PRODUCE?
HOW CAN THE CUSTOMER BENEFIT FROM FURTHER
INDIVIDUALIZATION OF OUR EXPERIENCE?
HOW CAN THE CUSTOMER BENEFIT FURTHER FROM
VALUE TRANSFORMATION?
HOW DOES CORE BUSINESS AND
INDUSTRY-THINKING LIMIT OUR
ABILITY TO COMPETE?
HOW DO WE CAPTURE WHAT VALUE
FROM THE CUSTOMER?
WHAT IS OUR CUSTOMER EXPERIENCE?
(COMPANIES SELL CUSTOMER INTERFACES / EXPERIENCE - NOT PRODUCTS)
SOURCE, The canvas comprises several thoughts on customer value:
- Day II Parallel Session 3: The Creative Economy - New Management Practices for the 21st Century, Steve Denning, https://youtu.be/XESGMOsfzAs
- Accenture Technology Vision 2015/Theme: The Outcome Imperative, Prith Banerjee, Managing Director, Global Technology R&D at Accenture, http://techtrends.accenture.com/us-en/intelligent-hardware-outcome-economy.html
- Creating value in the age of distributed capitalism, Shoshana Zuboff, http://www.mckinsey.com/insights/strategy/creating_value_in_the_age_of_distributed_capitalism
- Sharing’s Not Just for Start-Ups, Rachel Botsman, https://hbr.org/2014/09/sharings-not-just-for-start-ups
HOW CAN WE CREATE AND
CAPTURE CUSTOMER VALUE?
HELGE
TENNØ
JOKULL
180360720.NO | JOKULL.IO
link
HELGE
TENNØ
JOKULL
PREMIUM PUZZLE
The customer gap,
and future of marketing
WWW.180360720.NO
IMAGE BY DAMON JAH ON FLICKR:
HTTPS://WWW.FLICKR.COM/PHOTOS/DAMONJAH/

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The Customer Gap, Premium Puzzle And Future Of Customer Interactions

  • 1. HELGE TENNØ JOKULL PREMIUM PUZZLE The customer gap, and future of CUSTOMER INTERACTIONs WWW.180360720.NO IMAGE BY DAMON JAH ON FLICKR: HTTPS://WWW.FLICKR.COM/PHOTOS/DAMONJAH/
  • 2. INCLUDES LINKS TO THEse CANVASES: HOW DO WE IDENTIFY A CUSTOMER? HOW HAS THE BARRIERS TO BECOMING A CUSTOMER CHANGED? WHAT CAN CUSTOMERS LEARN FROM US? WHAT JOB ARISES IN THE CUSTOMERS LIFE THAT CAUSES HER TO HIRE OUR PRODUCT? WHO ELSE IS SOLVING THE CUSTOMERS JOB? WHAT IS OUR CUSTOMER GAP? WHAT IS OUR CUSTOMER GAP? HELGE TENNØ JOKULL 180360720.NO | JOKULL.IO FROM A CUSTOMER PERSPECTIVE; WHAT JOB DOES ‘MARKETING’ SOLVE? how can MARKETING help companies CREATE AND capture future customer value? 1A 1B WHAT ARE WE DOING THAT DIRECTLY IMPACTS CUSTOMER VALUE? HOW ARE WE GOING TO SERVE THE CUSTOMERS BETTER? WHAT IS THE MOST VALUED OUTCOME WE CAN HELP THE CUSTOMER PRODUCE? HOW CAN THE CUSTOMER BENEFIT FROM FURTHER INDIVIDUALIZATION OF OUR EXPERIENCE? HOW CAN THE CUSTOMER BENEFIT FURTHER FROM VALUE TRANSFORMATION? HOW DOES CORE BUSINESS AND INDUSTRY-THINKING LIMIT OUR ABILITY TO COMPETE? HOW DO WE CAPTURE WHAT VALUE FROM THE CUSTOMER? WHAT IS OUR CUSTOMER EXPERIENCE? (COMPANIES SELL CUSTOMER INTERFACES / EXPERIENCE - NOT PRODUCTS) SOURCE, The canvas comprises several thoughts on customer value: - Day II Parallel Session 3: The Creative Economy - New Management Practices for the 21st Century, Steve Denning, https://youtu.be/XESGMOsfzAs - Accenture Technology Vision 2015/Theme: The Outcome Imperative, Prith Banerjee, Managing Director, Global Technology R&D at Accenture, http://techtrends.accenture.com/us-en/intelligent-hardware-outcome-economy.html - Creating value in the age of distributed capitalism, Shoshana Zuboff, http://www.mckinsey.com/insights/strategy/creating_value_in_the_age_of_distributed_capitalism - Sharing’s Not Just for Start-Ups, Rachel Botsman, https://hbr.org/2014/09/sharings-not-just-for-start-ups HOW CAN WE CREATE AND CAPTURE CUSTOMER VALUE? HELGE TENNØ JOKULL 180360720.NO | JOKULL.IO VISIT 180360720.NO FOR MORE THOUGHT LEADERSHIP ARTICLES ON TECHNLOLOGY, BUSINESS AND DESIGN
  • 3. “Marketing is not a function; it is the whole business seen from the customer’s point of view.” - PETER DRUCKER -
  • 4. CORE IDEA / GAP / CHALLENGE DISCUSSED IN THE TALK: A. from a customer perspective; what job does ‘marketing’ solve?
  • 5. CORE IDEA / GAP / CHALLENGE DISCUSSED IN THE TALK: A. from a customer perspective; what job does ‘marketing’ solve? B. how can MARKETING help companies CREATE AND capture future customer value?
  • 8. - CHRISTIAN MADSBJERG AND MIKKEL B. RASMUSSEN, HBR.ORG, AN ANTHROPOLOGIST WALKS INTO A BAR link The biggest challenge CEOs face is the so called complexity gap. CEOs see a lack of customer insight as their biggest deficit in managing complexity. .. And rank “customer obsession” as the most critical leadership trait. PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 9. CHANGES IN BEHAVIOR, DRIVERS, CATEGORIES AND PRODUCTS FIVE CUSTOMER GAPS: THE KNOWLEDGEABLE CUSTOMER PEOPLE AND COMPANIES HAVE CHANGED HOW THEY SHOP - AND OUR TOOLS NEED TO CHANGE WITH THEM NEW HABITS AND BEHAVIORS CHANGE THE IMPORTANCE OF ESTABLISHED MECHANISMS THE PRODUCT IS INFRASTRUCTURE- WHAT JOB IS THE CUSTOMER HIRING US TO DO - AND HOW COULD WE DELIVER ON THIS JOB? THE COMPETITION ISN’T NECESSARILY THOSE WHO LOOK AND FEEL IDENTICAL TO YOU - THE MOST LETHAL COMPETITION COMES FROM THE OUTSIDE DO YOU UNDERSTAND YOUR CUSTOMER - WHAT ARE CUSTOMERS PAYING FOR? HELGE TENNØ JOKULL PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 10. NEW HABITS AND BEHAVIORS CHANGE THE IMPORTANCE OF ESTABLISHED MECHANISMS EVEN IF THE EMOTIONAL DRIVERS FOR BUYING A CAR ARE SIMILAR TODAY AS IT WAS IN THE 1980’S, THE LOYALTY TOWARDS CAR BRANDS HAVE FALLEN FROM 60% TO 20% IN THE PERIOD. - THE REASON IS THE INTERNET. HOW PEOPLE ARE BUYING CARS ARE DIFFERENT, NOT WHY PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 11. NEW HABITS AND BEHAVIORS CHANGE THE IMPORTANCE OF ESTABLISHED MECHANISMS PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 12. NEW HABITS AND BEHAVIORS CHANGE THE IMPORTANCE OF ESTABLISHED MECHANISMS PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION how has the barriers to becoming a customer changed? QUESTION:
  • 13. THE KNOWLEDGEABLE CUSTOMER PEOPLE AND COMPANIES HAVE CHANGED HOW THEY SHOP - AND OUR TOOLS NEED TO CHANGE WITH THEM CUSTOMERS ARE MORE KNOWLEDGEABLE. READING UP ON COMPANIES AND THEIR COMPETITORS PRODUCTS ONLINE BEFORE EVEN APPROACHING THEM. THEY ARE REQUESTING MORE INFORMATION AND CONTENT ABOUT THE PRODUCTS AND JOBS THEY ARE DOING - THE PHASE OF ACTIVE EVALUATION BECOMES THE BEST PLACE TO BE FOR BRANDS WHO WANT TO POSITION THEMSELVES AND MAKE THEMSELVES VISIBLE. THIS REQUIRES OTHER MARKETING TOOLS THAN TRADITIONAL DISPLAY AND STORYTELLING, AND IT CHANGES PEOPLES PROPENSITY TO BE AFFECTED BY TRADITIONAL EMOTIONAL ADVERTISING PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 14. ACTIVE EVALUATION LOYALTY LOOP POST PURCHASE EXPERIENCE INFORMATION GATHERING, SHOPPING After purchasing a product or service the consumer builds expectations based on experience to inform the next decision journey The consumer considers an initial set of brands, based on brand perceptions and exposure to recent touch points Consumers add or subtract brands as they evaluate what they want Ultimately, the consumer selects a brand at the moment of purchase MOMENT OF PURCHASE INITIAL CONSIDERATION SET 1. 2. 3. 4. THE NEW SIRLOIN OF MARKETING 2009 THE KNOWLEDGEABLE CUSTOMER PEOPLE AND COMPANIES HAVE CHANGED HOW THEY SHOP - AND OUR TOOLS NEED TO CHANGE WITH THEM PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION the knowledgeable customer & the new sirloin of marketing
  • 15. THE KNOWLEDGEABLE CUSTOMER PEOPLE AND COMPANIES HAVE CHANGED HOW THEY SHOP - AND OUR TOOLS NEED TO CHANGE WITH THEM PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 16. THE KNOWLEDGEABLE CUSTOMER PEOPLE AND COMPANIES HAVE CHANGED HOW THEY SHOP - AND OUR TOOLS NEED TO CHANGE WITH THEM PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION What can customers learn from us? QUESTION:
  • 17. THE PRODUCT IS INFRASTRUCTURE- WHAT JOB IS THE CUSTOMER HIRING US TO DO - AND HOW COULD WE DELIVER ON THIS JOB? CUSTOMERS DON’T BUY PRODUCTS, THEY HAVE A JOB TO DO AND HIRE YOUR PRODUCT TO HELP THEM WITH THIS JOB. UNDERSTANDING AND DESIGNING YOUR OFFERING AS A PART OF CUSTOMERS CONTEXT / JOB CREATES THE OPPORTUNITY TO BECOME MORE MEANINGFUL AND PRESENT IN THEIR LIVES - OUTSMARTING THE COMPETITION. PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 18. THE PRODUCT IS INFRASTRUCTURE- WHAT JOB IS THE CUSTOMER HIRING US TO DO - AND HOW COULD WE DELIVER ON THIS JOB? YARA PRODUCES THE BEST FERTILIZER IN THE WORLD. BUT FARMES DON’T BUY FERTILIZER - THEY DO WHATEVER THEY CAN TO GET THE BEST CROPS POSSIBLE. TO DO THIS FARMERS DON’T ONLY NEED FERTILIZER, THEY ALSO NEED TO KNOW WHEN, WHERE AND HOW MUCH TO FERTILIZE WITH WHAT. OFFERING ANSWERS TO THIS THROUGH SENSORS AND TECHNOLOGIES ON FARMING EQUIPMENT AND OUT IN THE FIELDS CAN CREATE A DAILY RELATIONSHIP WITH FARMERS, OFFERING FAR MORE THAN JUST BAGS OF FERTILIZER ON A TRUCK ONCE A MONTH. PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 19. JOBS-TO-BE-DONE THE PRODUCT IS INFRASTRUCTURE- WHAT JOB IS THE CUSTOMER HIRING US TO DO - AND HOW COULD WE DELIVER ON THIS JOB? PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 20. THE PRODUCT IS INFRASTRUCTURE- WHAT JOB IS THE CUSTOMER HIRING US TO DO - AND HOW COULD WE DELIVER ON THIS JOB? PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 21. THE PRODUCT IS INFRASTRUCTURE- WHAT JOB IS THE CUSTOMER HIRING US TO DO - AND HOW COULD WE DELIVER ON THIS JOB? PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 22. THE PRODUCT IS INFRASTRUCTURE- WHAT JOB IS THE CUSTOMER HIRING US TO DO - AND HOW COULD WE DELIVER ON THIS JOB? PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION What job arises in the customers life that causes HER to hire our product? QUESTION:
  • 23. THE COMPETITION AREN’T NECESSARILY THOSE WHO LOOK AND FEEL IDENTICAL TO YOU - THE MOST LETHAL COMPETITION COMES FROM THE OUTSIDE IF YOU ASKED A CONVENIENCE STORE IN OSLO IN 2012 WHAT THE BIGGEST THREAT WOULD BE IN 2013 THEY WOULD POINT TO THE OTHER SIDE OF THE STREET AND SAY - ‘IF A COMPETING CONVENIENCE STORE OPENS OVER THERE’. THE WORST THING THAT DID HAPPEN WAS THE MOBILEPHONE TICKET ORDERING APPLICATION FOR THE PUBLIC TRANSPORT COMPANY. THE PROBLEM BEING THAT THE STORES ALL KNEW ABOUT THE APP, BUT NOBODY DID ANYTHING BECAUSE THE THREAT DIDN'T LOOK IDENTICAL TO THEMSELVES. PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 24. THE COMPETITION ISN’T NECESSARILY THOSE WHO LOOK AND FEEL IDENTICAL TO YOU - THE MOST LETHAL COMPETITION COMES FROM THE OUTSIDE PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 25. THE COMPETITION ISN’T NECESSARILY THOSE WHO LOOK AND FEEL IDENTICAL TO YOU - THE MOST LETHAL COMPETITION COMES FROM THE OUTSIDE THE MAP SHOWS HOW PATENTS IN USA ARE CONNECTED CROSS-INDUSTRIES (COLORS ILLUSTRATE INDUSTRIES AND LINES BETWEEN THEM PATENS). THERE ARE NO INDUSTRIES ANYMORE. PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 26. “THESE PEOPLE AREN’T EVEN TRYING TO DISRUPT YOUR BUSINESS MODEL. YOU ARE JUST COLLATERAL DAMAGE.” - EDDIE JOON - THE COMPETITION ISN’T NECESSARILY THOSE WHO LOOK AND FEEL IDENTICAL TO YOU - THE MOST LETHAL COMPETITION COMES FROM THE OUTSIDE THE TICKET APPLICATION FROM THE TRANSPORTATION COMPANY WASN’T EVEN TRYING TO DISRUPT THE CONVENIENCE STORES, THE STORES WERE JUST COLLATERAL DAMAGE. ACCENTURE SUGGEST THAT THE BEST CUSTOMER EXPERIENCE OR CUSTOMER SERVICE WINS - CUSTOMERS DON’T CARE ANYMORE WHO OFFERS THEM. PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 27. THE COMPETITION ISN’T NECESSARILY THOSE WHO LOOK AND FEEL IDENTICAL TO YOU - THE MOST LETHAL COMPETITION COMES FROM THE OUTSIDE PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION who else is solving the customers job? QUESTION:
  • 28. DO YOU KNOW WHAT YOUR CUSTOMER IS PAYING FOR? WHAT YOU THINK IS THE PRODUCT MIGHT NOT BE THE PRODUCT. DO YOU HAVE THE RIGHT CUSTOMER DATA? DO YOU UNDERSTAND YOUR CUSTOMER - WHAT ARE CUSTOMERS PAYING FOR? PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 29. DO YOU UNDERSTAND YOUR CUSTOMER - WHAT ARE CUSTOMERS PAYING FOR? PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 30. DO YOU UNDERSTAND YOUR CUSTOMER - WHAT ARE CUSTOMERS PAYING FOR? 1662 PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION .AC ANSWER:DEMOGRAPHICS
  • 31. DO YOU UNDERSTAND YOUR CUSTOMER - WHAT ARE CUSTOMERS PAYING FOR? PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 32. DO YOU UNDERSTAND YOUR CUSTOMER - WHAT ARE CUSTOMERS PAYING FOR? PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION HOSPITALITY IDENTIFIES CUSTOMERS BASED ON HOW THEY BUY THE PRODUCT - NOT HOW THEY EXPERIENCE IT
  • 33. DO YOU UNDERSTAND YOUR CUSTOMER - WHAT ARE CUSTOMERS PAYING FOR? PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION HOW DO WE IDENTIFY A CUSTOMER? QUESTION:
  • 34. CHANGES IN BEHAVIOR, DRIVERS, CATEGORIES AND PRODUCTS FIVE CUSTOMER GAPS / ASSYMETRIC COMPETITION: THE KNOWLEDGEABLE CUSTOMER PEOPLE AND COMPANIES HAVE CHANGED HOW THEY SHOP - AND OUR TOOLS NEED TO CHANGE WITH THEM NEW HABITS AND BEHAVIORS CHANGE THE IMPORTANCE OF ESTABLISHED MECHANISMS THE PRODUCT IS INFRASTRUCTURE- WHAT JOB IS THE CUSTOMER HIRING US TO DO - AND HOW COULD WE DELIVER ON THIS JOB? THE COMPETITION ISN’T NECESSARILY THOSE WHO LOOK AND FEEL IDENTICAL TO YOU - THE MOST LETHAL COMPETITION COMES FROM THE OUTSIDE DO YOU UNDERSTAND YOUR CUSTOMER - WHAT ARE CUSTOMERS PAYING FOR? PART1:THECOMPLEXITYGAP/ASYMMETRICCOMPETITION
  • 35. HOW DO WE IDENTIFY A CUSTOMER? HOW HAS THE BARRIERS TO BECOMING A CUSTOMER CHANGED? WHAT CAN CUSTOMERS LEARN FROM US? WHAT JOB ARISES IN THE CUSTOMERS LIFE THAT CAUSES HER TO HIRE OUR PRODUCT? WHO ELSE IS SOLVING THE CUSTOMERS JOB? WHAT IS OUR CUSTOMER GAP? WHAT IS OUR CUSTOMER GAP? HELGE TENNØ JOKULL 180360720.NO | JOKULL.IO FROM A CUSTOMER PERSPECTIVE; WHAT JOB DOES ‘MARKETING’ SOLVE? how can MARKETING help companies CREATE AND capture future customer value? 1A 1B link
  • 36. 5OPPORTUNITIES TO SPARK YOUR IMAGINATION IMAGE BY ERIC FISCHER ON FLICKR.COM HOW CAN WE CREATE AND CAPTURE CUSTOMER VALUE?/
  • 37. THE CONCENTRATED MODEL 
 & 
 THE HIDDEN 
 SPACE IMAGE BY KYLE LAD ON FLICKR.COM 1. PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
  • 41. PARTI:COMPANEISAREDESIGNEDTOKEEPCUSTOMERSOUT The idea that customers benefit from engagement with their insurance needs is part of Progressive’s philosophy. Encouraging the use of products and services that foster active involvement, we can improve the experience for everyone. link PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
  • 43. This makes customer activation an integrated part of the product and it makes marketing and products the same thing - because they both have to accommodate and work on the premise of the customer. THE THIRD WAVE OF TECH. WELCOME TO WHAT TECHNOLOGY IS BRINGING NOW ISN’T JUST IMPROVEMENTS AND EFFICIENCY AROUND THE PRODUCT - IN THE COMPANY’S INTERNAL AND EXTERNAL VALUE CHAINS - IT IS CHANGES TO THE NATURE OF THE PRODUCTS THEMSELVES. the new nature of products PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
  • 44. “we will be moving from transaction base to engagement base. The company needs to provide a service to you, not a box. Value transformation processes will be delivered a long with a business model” - DR. JESSE JIJUN LUC, HUAWEI TECHNOLOGIES CO. LTD. @CEBIT2015 VALUE TRANSFORMATION PROCESS 4. PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
  • 45. BUT, THE ANSWER TO QUESTIONS LIKE ‘WHY DO CUSTOMERS BUY FROM US?’ DON’T RESIDE IN PRODUCTS. THEY RESIDE ALMOST ENTIRELY IN THE INTERACTIONS THAT TAKE PLACE IN THE MARKETPLACE.” “TO MANY MANAGERS, THE PRODUCT IS THE BUSINESS” WRITES NIRAJ DAWAR IN TILT. “FIRMS CONTINUE TO SPEND INORDINATE AMOUNTS OF TIME, EFFORT, AND RESOURCES ON THEIR PRODUCTS. IN FACT, BUSINESSES ARE STRUCTURED AROUND THEIR PRODUCTS… - STEVE DENNING - the customer interface5. PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
  • 46. THESE COMPANIES REALIZE THAT THE MODERN AGE IS A TIME OF SCARCE ATTENTION AND ABUNDANT CONNECTIVITY, WHERE SMARTPHONES ARE OUR PRIMARY ACCESS AND POINT TO EVERYTHING; WHERE MONEY AND EVERYTHING IS DIGITAL;  - TOM GOODWIN - where the interface layer is where the profit is; your companies most profound business. WHERE PHYSICAL ASSETS AND EMPLOYEES ARE LIABILITIES; and where providing a slick, best in class human experience will create PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
  • 49. “Customer experience … is a fundamental dimension of how a company competes.” - JOSEPH PINE, COINED THE TERM EXPERIENCE ECONOMY HBR, DISNEY, ADVANCING THE CUSTOMER EXPERIENCE link PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
  • 51. product in a classic setup where the marketing and the product collaborates - but have different roles you either see marketing like this… marketing PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
  • 52. 2009 the product is just an object. what makes it meaningful, useful and valuable are the interactions that are designed around it. - marketing - content - meeting places - social interactions interactions product or you see it like this: PART2:FIVEOPPORTUNITIESTOSPARKYOURIMAGINATION
  • 53. WHAT ARE WE DOING THAT DIRECTLY IMPACTS CUSTOMER VALUE? HOW ARE WE GOING TO SERVE THE CUSTOMERS BETTER? WHAT IS THE MOST VALUED OUTCOME WE CAN HELP THE CUSTOMER PRODUCE? HOW CAN THE CUSTOMER BENEFIT FROM FURTHER INDIVIDUALIZATION OF OUR EXPERIENCE? HOW CAN THE CUSTOMER BENEFIT FURTHER FROM VALUE TRANSFORMATION? HOW DOES CORE BUSINESS AND INDUSTRY-THINKING LIMIT OUR ABILITY TO COMPETE? HOW DO WE CAPTURE WHAT VALUE FROM THE CUSTOMER? WHAT IS OUR CUSTOMER EXPERIENCE? (COMPANIES SELL CUSTOMER INTERFACES / EXPERIENCE - NOT PRODUCTS) SOURCE, The canvas comprises several thoughts on customer value: - Day II Parallel Session 3: The Creative Economy - New Management Practices for the 21st Century, Steve Denning, https://youtu.be/XESGMOsfzAs - Accenture Technology Vision 2015/Theme: The Outcome Imperative, Prith Banerjee, Managing Director, Global Technology R&D at Accenture, http://techtrends.accenture.com/us-en/intelligent-hardware-outcome-economy.html - Creating value in the age of distributed capitalism, Shoshana Zuboff, http://www.mckinsey.com/insights/strategy/creating_value_in_the_age_of_distributed_capitalism - Sharing’s Not Just for Start-Ups, Rachel Botsman, https://hbr.org/2014/09/sharings-not-just-for-start-ups HOW CAN WE CREATE AND CAPTURE CUSTOMER VALUE? HELGE TENNØ JOKULL 180360720.NO | JOKULL.IO link
  • 54. HELGE TENNØ JOKULL PREMIUM PUZZLE The customer gap, and future of marketing WWW.180360720.NO IMAGE BY DAMON JAH ON FLICKR: HTTPS://WWW.FLICKR.COM/PHOTOS/DAMONJAH/