Gamefication of Shopping process for big ticket items

 Traditional methods of risk assessment are not as reliable as they use to be due to constant changes in consumer behavior and environment. At the same time, new generations are more and more engaging into virtual reality and getting their gratification from intangible goods that are not easily marketable. The gap between the providers of big ticket items and the potential consumers is increasing and the communication between the two sides of the commercial transactions require a facilitator. Traditional credit evaluation system are not good predictors of risk, because they are based in old conservative paradigms. Several good sales opportunities are missed and some high risk transactions are made, jeopardizing the markets. What if experienced data gathering companies could develop better models of risk evaluation based on the everyday behavior of the consumer and they could provide a curated risk rate associated with the consumer based on user's credibility, reputation and behavior data available online and measured on user's connected devices?

Risk aversion x Commitment Aversion

Usually, vendors are more risk averse and consumers are more commitment averse. In a world where things change very fast, big ticket items like houses, going to college, acquiring a car, choosing insurance, pose a big challenge for people that don't like commitment or don't have enough attention span to learn how to make the best decision. This type of consumer might have the ability to save and acquire these goods, if only they could learn how to and also could understand that the price to pay to get out of this type commitment might be affordable as well.

Games as a learning tool

Simulation games can teach prospect consumers how to make decisions and how to plan enough to be able to afford the goods they want to acquire. Also, performance on the simulation game can be a good predictor of the capability of the consumer in honor a future commercial transaction.

Mobile game as a meter

If the consumer is considering buying an item and is willing to prove that to the vendor, accepting the game with a meter embedded in it will provide to Nielsen, not only game results, but also behavioral data that Nielsen can then feed to the consumer reputation model to generate the risk rate associated to the consumer. The vendors can buy the risk report from Nielsen. They won't have access to the metered data, but only to the risk rate, protecting the user's private data.

Consumer Reputation as reward

Consumers volunteering their data to our meters by participating in our panels, can earn reputation points besides other rewards and can have access to their risk rate to offer as a negotiation tool when applying for loans, mortgages, etc.