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Young people does not have enough knowledge about vital societal elements…
Young people does not have enough knowledge about vital societal elements (1-6)
2. Tax
What to report
Tax reporting systems (manual vs. it)
How much to pay
What tax should you expect to pay?
Where does your tax money go - and why?
benefits
When do you have to pay - when do you not
State tax
Different from state to state
Government tax
Different tax with more than one job
6. Personal economy
Budget making
Asset-backed securities
Morgages
Personal Loans
House buying, car buying etc.
Student loans
Consequenses,
5. Healthy lifestyle
Nutrition
Calories, vitamins, minerals etc.
Proteins, Fat, Carbohydrates, Alcohol - what are they, why are they essential for you?
Exercise
Sleep
Consequences for not sleeping
Why important?
Obesity, liability to sociaty, early death.
3. Insurance
Pension savings
Health insurance
Private
From job
Home insurance
Price-level
Life-cycle products
How to make sure you have enough for your retirement
When should you invest
At which risk-level?
Why is insurance important?
Economic safety net
Retirement
In case of theft, illness, injury etc.
1. Paychecks
Interpretation of paychecks
So one can tell right from wrong
"AM-bidrag"
Tax-cuts
Minimum wage
Unions
4. Internet security
Hacker
General programing
Protection of personal information
Cookies
Cloud-storage
Consent
What are you rights as a consumer?
Safety measures
Firewall
Virusprotection
Why important?
Incr. use of computer, internet etc.
Stolen identity
Credit card fraud
Problem definition (why is it a problem?)
Problem for the individual
Economic implications
Time consuming
Wrong decitions
Frustration
A large enough problem for them to pay for it?
Problem for society
Loss of individuals --> homeless
Extra expenditure
Synergi effects
Crime
A large enough problem for them to pay for it?
When does it become a problem?
When faced with the issues
When not having someone to help you
When faced with economic consequences
(Depending on which problem faced (1-6))
International scope? Which country is it a problem for?
USA
Individualism
Complicated state differences
Fragmented public-system
More inequality
low educational level (looked at all the entire pubulation)
Europe
Denmark
Strong government power
Public school system
Welfare system
Trust in public sector
Small economy/society (more homogenious)
Asia
No knowledge
Africa
Developing countries
Poverty
Not enough knowledge
South America
No knowledge
Who are the young people? (Customer segment)
Age group
Children (6-15)
Young Adults (16-25)
Social arenas (where do they interact/engage)
School
In class
Recession
Sports clubs
Parties
Friends houses
Family gatherings
Home
On the internet
Social Media
Snapchat, Instagram, FB, messenger etc.
Games
Computer games
Playstations, Xbox etc.
Smartphone
Tablets
Devices
Tablet
Smartphone
Computer
Income level (social segment)
Lowest educational length
Have other more importants issues besides this?
Medium educational length
High educational length
Geographical area
Urban
Rual
Solution - how to incr. knowledge?
Who to target?
Young Adults
1) faces the problems. reactive as oppose to proactive. Goes to college. manage their own finances.
Children
Influenced by parents. Easy to influence. Do not find the need.
How to target?
E-learning
different packages, with different topics (1-6)
Interactive learning
Can be customized to different age-groups
In school
Would reach entire segment
As a one-year course for all students with all topics (1-6) in the curricular. Name: "Societal learning"
Social Media
Campaigns
Marketing channel
After school
Evening school
Extra curricular
Where to target first?
Geographic area
Denmark
Pros: 1) large public sector, 2) complicated tax system, 3) well-educated population, 4) homogenious society, 5) demand has been observed by writer.
Cons: 1) Smal market.
USA
Pros: 1) Greater lack of knowledge (more inequality), 2) complex state-tax, 3) larger market size.
Cons: 1) Limited knowledge of this market.
How to raise money?
Who would pay?
Parents?
State/Government?
Individuals?
Schools?
Advertisers?
Next step?
Narrow customer segment to one age-group, geographic area and educational level.
Discover where potential revenue streams may come from
Customize solution to fit potential revenue streams (who will pay for this? When will they pay for this?)
Do a demand research on chosen segment
Develop 1st prototype solution
Trial and error until valid solution found