1. WORKING TITLE: DIGITAL AND TECHNOLOGY TRENDS IMPLICATIONS FOR LOW INCOME AND MINORITY CUSTOMERS LIOB PRESENTATION, October 2012 By Michele Ruiz Ruiz Strategies

2. ABOUT MICHELE RUIZ

3. WHAT’S CHANGED

4. MOBILE REVOLUTION

5. THE IMPACT OF SMART PHONES

6. REMEMBER THIS?

7. WHO OWNS SMARTPHONES

8. MINORITY GROUPS ARE COMFORTABLE USING THE MOBILE INTERNET

9. OLDER GENERATION – SURPRISE!

10. TREND: AUGMENTED REALITY

11. TREND: APPS GET SMARTER

12. WHAT DOES THIS MEAN FOR UTILITY CUSTOMERS?

13. MOBILIZATION OF YOUR CUSTOMERS

14. MOBILE APPS AFFECT BEHAVIOR

15. EDUCATE, ENABLE, MONITOR, INTERVENE, EMPOWER

16. REACHING LOW INCOME CUSTOMERS

17. INCOME AND LITERACY RELEVANCY

18. CULTURAL RELEVANCY

19. TECHNOLOGICAL ADVANCEMENTS MEANS RADICAL CHANGE IN MINDSET

20. HOW MANY APPS DOES IT TAKE TO CHANGE A LIGHT BULB?

21. REAL TIME INFORMATION

22. IN-CULTURE

23. USE MOBILE AND TABLET FRIENDLY WEBSITES

24. USE TEXTS

25. COMMUNICATE VALUE & BENEFITS WITH STORY TELLING

26. ROLE OF TARGETED MEDIA AND PR

27. QUESTIONS

28. WORKING TITLE: DIGITAL AND TECHNOLOGICAL TRENDS IMPLICATIONS FOR LOW INCOME CUSTOMERS Michele Ruiz Ruiz Strategies Contact information: Michele@MicheleRuiz.comMichele@MicheleRuiz.com 310 853 3605