Segments With Preferences for Periodic or One Time Payment
A Final customer buying from an intermediary of the product The Final customer is the one who makes the final decision on what product to buy and from which supplier to buy it. Most consumer products, and many industrial products, reach Final customers through Intermediaries.
Acquire Steps: Acquire steps include all activities the customer completes preceding the purchase of the product. These steps include the customer's efforts needed to identify and evaluate Intermediaries and travel to the Intermediary location.
B. Needs to avoid sources of anxiety
3. Economic limitations: Segment customers according to the limitations set by their economic interests and concerns
b. Segment's approaches to limit on spending
1. Segments with preferences for periodic or one time payment
|1||6141||2001||AmeriCredit Corp. uses specially tailored data to create their 12 different models for pricing and underwriting, which sets loans at rates between 10% & 25%.|
|2||5900||2004||RealNetwork's online-music services have captured the most attention. It operated the Rhapsody service and runs an online store that sells music downloads. Rhapsody, which has thrived since the recording industry clamped down on illegal music swapping sites, charges users $9.95 a month for unlimited playing of songs on a personal computer. The songs are rented not purchased.|
|3||5900||2005||Yahoo has entered the online music business with a low-priced service that allows listeners to rent songs rather than buy them outright. The service will allow unlimited access to more than a million songs for a flat fee of $6.99 a month or for an annual rate of $60.00. The songs can be transferred to select MP3 devices. When customers let their subscriptions expire, the songs become unplayable.|
|4||6321||1991||A handful of companies have persuaded HMOs to charge on a fee-for-service basis, instead of taking the usual pre-paid fee that covers employees even if they do not need medical attention. The companies share the risk of financing medical costs.|
|5||6211||2000||The National Discount Brokers offers a speedy and streamlined interface for investors. Traders have full access to accounts and order entry on one simple screen. The website offers Trader Advantage, and the customer is charged only a single commission for multiple trades of the same stock on the same side of the market on the same day. This company is known to be very attentive to its customers.|
|6||7379||2001||Storage Networks provides storage outsourcing by maintaining off site storage "farms" where they lease space to customers.|
|7||7375||2002||Some ASP style companies now doing business are profitable and have a future. Their secret is they rent services outside the core of the corporate IT. One, Salesforce.com rents sales automation software to companies and runs it for them.|
|8||6035||1999||First Place Financial wants to attract customers with new unique products. It offers a mortgage that you can pay every 2 weeks instead of monthly, which lowers overall interest costs.|
|9||5712||2004||Aaron Rents runs 840 rent-to-own stores stocked with furniture, consumer electronics, and home appliances. It also has 60 furniture rental stores. Aaron targets customers who have a hard time buying home furnishings, either because they can't afford it or don't qualify for credit.|