All posts by Michael Andrews

Helping People Make Tough Choices

People face tough choices in their lives everyday — choices without one clear winner. Perhaps available choices have different advantages, or all choices involve some kind of compromise. Content should illuminate what’s at stake when making these choices. In many situations, content fails to do this.  It hides what’s at stake, doing so in the name of simplicity.

When Simplicity is a Ruse

Many of us, myself included, don’t like fiddling with complicated financial decisions.  We wish there was a page we could go to and tap a button that says “Don’t bother me with this again — just take care of it” and we’d never have to think about it again.  Instead, if we find such a page with such a button, we later find out that we’ve made a decision that is nearly impossible to undo. That same website offers another page with an endless loop of popups asking us: Are we sure we want to cancel, given that there is a $1000 penalty?  It might as well ask us if we want to suffer lots now, or suffer a good bit indefinitely.

Financial news channels like CNBC and Bloomberg advertise smartphone apps seeking to manage your money.  Some apps promise to find you the best credit card, while others promise easy and cheap mortgages.  Tech investors fund countless startups who claim their app offers a new level of simplicity for financial management.  These apps have slick UIs, and appeal to prospective customers who imagine themselves as take-charge and in-control.  With just a couple of taps on the app, you can execute your decision without the annoying fuss that other firms make you go through.  Target users know what they need:  an app that lets them make big decisions wherever they are, even while running a half marathon during their lunch hour.  Other ads show day traders thumbing their apps, making big buys while walking toward their private jet.  Miraculously, the chaotic world of finance becomes a zen-like zone of clarity.  Everything is now simple.

These two-tap solutions suggest they offer everything the user needs to know, even if sometimes that’s not true.  The apps imply financial decisions can be boiled down to a couple of numbers, and content never has to get in the way of taking action. The best deal never involves a teaser rate that will change, or draconian terms and conditions invoked if you change your mind later.  Making a rapid decision never requires one to think about the customer service experience after the fact.   Users are asked to trust that all these issues have already been accounted for, and that the app has only chosen options that are free-of-problems, and are the absolutely best ones available anywhere.

Many businesses repeat the mantra of simplicity in connection with their customer proposition. Instead of being a genuine belief, the mantra is often just empty words.  Simplicity, a rock-solid idea, can be cynically manipulated to trick customers into believing the convenience they experience is in their best interest.

Simplicity became a marketing buzz word at the same time as user experience (UX) became a commodity. They became features to brag about, rather than experiences to faithfully deliver. Simplicity is a good thing, but that statement needs to be qualified. True simplicity is paradoxically difficult to offer.

Easy Now or Easy Later?

When people working in UX or behavioral economics talk-up the ideal of simplicity, they often are actually championing the notion of convenience.  Convenience implies something is easy-to-do, while simplicity implies additionally that something is easy-to-understand When a company boasts of offering an app that lets you make choices on your smartphone, saying what you need is in the palm of your hand, they are appealing to convenience more than to simplicity.  Understanding involves more than taking action in a moment-in-time.  It involves seeing how the future of that action will unfold.

For much of the history of the web, people worried about drowning in information, a phenomenon called TMI (too much information).  Yet a recent Pew survey of American web users revealed that “worries about information overload are not widespread” now.  That sounds like a good thing, and in many ways it is.  People shouldn’t feel overwhelmed by information.  Smartphones have helped people keep up with information, and their small screens have brought discipline to previously long and complicated content.

But part of that progress has occurred at the cost of removing information that is valuable.  The same Pew survey revealed that Americans think that “schools, banks and government agencies expect too much from people”.  These sectors are routinely considered difficult to deal with, due to how much information they expect their clients to provide them.  To understand why banks and government agencies can’t be as simple to deal with as Amazon, we must consider how such institutions differ from a ecommerce retailer.

Compared with financial, educational and government institutions, retailers can automate their processes to a greater extent. Retailers control most choices about supplying, pricing, presenting and delivering goods to customers.  When retailers automate these processes, they remove related complexity from customers.  They handle much complexity on the backend, so that users don’t need to experience complexity on the frond end.  Simplicity is easiest to achieve when offering straightforward transactions, such as booking a concert ticket, because little information is required from the customer, and the customer needs to understand little in return.

An insurance company, on the other hand, needs the customer to make various decisions that involve multiple steps.  Insurance companies can’t presume what the customer wants. Customers need to be actively involved.  It is more difficult to automate customer choices, because the customer needs to understand what choices they are making.

Via Wikipedia
By DiacriticaOwn work, CC BY-SA 3.0, Link

Decisions that have Consequences

Trivial decisions are easy to outsource to other parties, but important ones require active participation.  People are short on time, and often low on energy.  People understandably want choices to be easy.  But they are not well-served when content implies decisions are straightforward, when in reality they involve many considerations.

Many customer decisions are iterative, multi-faceted, or nonlinear.  Customer priorities and circumstances are difficult to reduce to a few common variables.  Imagine being given two or three choices for a hair style when booking a hair cut online, with no further input allowed. While seemingly convenient, such a process won’t ensure a happy outcome. Even though haircuts are generally low-value purchases, they have big emotional consequences for the buyer.

Any transaction that potentially involves “buyer’s remorse” after purchase, where making changes is difficult to do, requires some active involvement from the buyer to indicate what they want.  These decisions include:

  • high-value, feature-rich, or maintenance-demanding products that will be owned a long time such as cars
  • emotionally symbolic purchases such as family vacations
  • personalized, long-term service relationships such as insurance and education.

By their nature, decisions that can involve buyers remorse are tough choices.  We’d never experience regrets if the right choice was obvious before we made it.

Tough choices typically have many inputs, often happening over a period of time.  Certain tasks resist automation, such as deciding on and making medical appointments, or doing taxes.  Many decisions are one-off ones, or are infrequent, so that circumstances will have likely changed since the prior time the decision was considered. People can’t just set preferences that will be triggered each time the decision needs to be made.

Some tough choices involve comparing two or more items that have many dimensions to them.  Other tough choices involve a single decision to do something that involves some risk. Perhaps the perceived cost of the decision is high, or the effort involved to commit to the decision deflates one’s motivation.

Too Much Information, or Too Little?

Publishers resort to generic ideas to determine how much detail to provide customers.  People routinely complain about having to read long documents.  Research shows that people feel overwhelmed when offered too many choices,.  As a famous, widely-cited experiment demonstrated, when people were asked to choose which breakfast jam to buy, offering too many choices resulted in lower sales. Common sense and experimental research both seem to suggest that publishers should limit the amount of information presented to audiences.  Don’t risk making the experience a chore to do — give people what they say they want, which is not having to read much.  The case for information- and choice-rationing sounds  straightforward. Sadly, we can’t afford to hide an important qualification: what’s simple now isn’t necessarily what’s simple later.

Streamlining information and limiting options is a great tactic for simple decisions like buying jam. But it can be a bad tactic for helping people make tough choices.

Too much information is a symptom, not the core problem. The core problem is that making an informed choice is difficult, due to the nature of the decision.  Some businesses eagerly take that chore away from customers, by limiting their choice. They may justify limiting choice by arguing that something that looks complicated does not look trustworthy.  Complicated content obscures what’s best for the customer.  According to this logic, if the proposition looks simple, then it will be trusted.  These businesses consider trust as a  matter of optics, rather than of substance.  People don’t need to be informed, they just need to feel something is simple.

When publishers remove information that’s critical for customers to know, they are offering fake simplicity.  They are restricting vital information, and in so doing, influencing the decisions customers make.  Fake simplicity hides information and choices that have consequences for the audience.  Fake simplicity hides potential problems from users.  Real simplicity addresses potential problems.  Informing users about issues and tradeoffs doesn’t make the content complicated — it makes the content useful.

Let’s look at a familiar example of real simplicity applied to an iterative decision.  The solution reveals information that could be problematic for users.  That solution is the traffic information available on Google Maps.  The user can just look at the map, and see how heavy traffic is.  It couldn’t be simpler from the user perspective.  Behind the curtain, the app draws on complex processes to deliver this information.  Google pools data from all its smartphone locations to produce a composite picture of how quickly traffic is moving.  It is complex from Google’s perspective, but simple from the user perspective.  And it provides the user with vital information they care about in an easy-to-understand manner.  No one complains Google Maps has too much information. Its transparency is what makes it useful when making driving decisions.  Even though in many cases there is one best option when choosing a driving route, the dynamic variability of traffic means that alternatives and adjustments always need to be considered.

Many apps appear to be convenient because they remove things you should be aware of.  Smartphone content in particular frequently hides critical information for the sake of superficial simplicity.  Content may:

  • Hide explanatory information informing decisions
  • Hide choices or options.

Publishers may hide information or options using UI tricks such as saying “more” or “what’s this?” to de-prioritize important information. They may leave out information people would want to know about, because the information is not legally required to be disclosed — at least at that stage. Often, the gotchas are loaded at the final stage of consideration, in the form of an T&C agreement check box.  Sometimes firms offer false choices, believing that having only one attractive option is the best way to get people to make a decision on a complex issue.  Or the user interfaces restrict choices that users might want.  For example, many people are happy to use Instagram to take photos, until they realize that Instagram doesn’t offer the choice of downloading the photo for use outside of the Instagram ecosystem.

Supporting Genuine Choice

User interfaces are easy to simplify.  Human emotions aren’t.  When people aren’t sure what choice to make for a decision that has consequences, they want both to understand, and to trust the information available.  Trust derives from integrity, and telling the truth.

When the choice is tough, content that suggests all options will make you happy, or there is only one best choice, doesn’t inspire trust.  True, customers don’t want too many choices.  Normally, more than four choices at once is too much.  But people want genuine choice, and know how choices differ and they will be affected by each.  They know that all options don’t result in equal levels of long-term happiness.

Choice is an emotional issue.  It involves personal expression.  One of the purest examples where people want to express choices is an online petition. They participate in a petition not to complete a transaction where they get something in return immediately, but to make their views known.  People want choices offered to reflect their real preferences.  “Simplicity has it’s limits. Make the process too simple and you run the risk of encouraging ill-targeted, unfocused petitions” notes David Karpf, a George Washington University professor who has studied petition websites such as MoveOn.org and Change.org.  These sites don’t try to make choice a single action, but break choices into a few simple steps.

“The feeling of choice…promotes wellbeing.  Our wellbeing depends on the ability to exercise choice…” notes Michael Bhaskar in his new book, Curation. People want choice that is meaningful to them personally.  They are skeptical when  sellers present false choices such as having a “best value” package prominently displayed in the center of options that aren’t good deals. They flinch at choices where it is hard to discern the differences among them, or evaluate which is best for a given situation.

Promoting Real Simplicity

If hiding or rationing information doesn’t help customers make tough choices, what does?  There can be too much information — if it isn’t relevant.  Real simplicity highlights the parameters that are most important when making a decision.  It shows what to consider, and provides the means to choose.  Real simplicity doesn’t try to make the choice for the user.  It helps the user know what’s important about the choice to consider.  It knows what issues have had consequences for people in the past, and reveals these to people now making such decisions.

For people who think about simplicity in terms of user interfaces rather than user experiences, simplicity seems like it involves taking stuff away: reducing the number of words, or number of clicks.  Those are sometimes useful tactics, but they tend to confuse task activity with making decisions.  From a user experience perspective, real simplicity isn’t about clicks —  it is about clarity.  As far as possible, people need to feel clear about the decision they are making.  They know what they are getting into, and are confident they’ve made the best choice possible.

Real simplicity doesn’t derive from word choices or screen layouts.  It embodies decisions about the kinds of information to feature, deciding what choice parameters to prioritize because they ultimately matter most.  Moreover, real simplicity offers a framework for understanding and comparing these parameters.  Readers have a context to see how different parameters influence their overall choice.

Some DON’Ts:

  • Don’t limit choices unless that is part of your up-front proposition
  • Don’t condense several decisions into a single package of choices that are hard to discern
  • Don’t offer choices few people will want to make, to make one seem better
  • Don’t bury explanations of important criteria

Some DOs:

  • Provide several meaningful choices that will appeal to different kinds of people
  • Emphasize what is most different about each choice compared with others
  • Break discrete issues into separate decisions, instead of bundling unrelated issues into difficult-to-grasp decisions requiring a leap-of-faith
  • Emphasize trade-offs involved with different choices when they exist
  • Offer ways for people to compare different aspects of a decision across different options, so they can focus on issues of greatest importance to themselves personally

Some of these guidelines trespass on decisions relating to product offers and pricing.  Content can’t be separated from these issues. Product managers should understand that attempts to drive customer behavior toward specific outcomes that are optimal for the business are not necessarily how customers consider their choice.  We see this issue now in the cable TV industry, where cable operators want to force customers to accept bundles that aren’t valued by the customer.  Unless there is alignment between how customers consider and value choices, and how firms offer choices to their customers, the firm’s reputation will suffer, and customer retention be vulnerable to market challengers who offer choices more aligned with customer needs.

Tough Choices are Individual

Tough choices aren’t categorical, divided into good choices and bad choices that apply to everyone.   Tough choices involve right choices and wrong choices as they apply to individuals.  Take the example of vacations: going to Aspen is not a “good” choice.  Aspen will appeal to skiers who can afford it, but won’t to people on a budget or who don’t care for mountains.  The individual’s situation and context shapes what’s ultimately best.  Even mundane decisions, such as purchasing a new home water heater, involve significant individual variation in circumstances and preferences.

Some of the information needed to support tough choices needs to be disclosed prominently on forms and in tables.  Features, specifications, applications, add-ons, exclusions, replacement and servicing costs, renewal pricing, incentives, projected maintenance, refunds and cancellation fees. Everyone can benefit from knowing such details.  People can notice these parameters and assess how they may be affected by them personally.  Yet content can do more than simply add transparency.

Tough choices, at heart, involve human stories.  Why did someone make the choice they did?  Different people will make different choices.  Each person will have their own reason for their choice.  These considerations can be highlighted in stories.

Stories are a powerful form of content, and are well suited to helping people make tough choices.  Stories can show why others made the decisions they did, and how that decision worked out for them:

  • What was their situation at the time of their decision?
  • What did they consider important, and how did they evaluate the choices available?
  • How happy have they been with the choice they made?
  • What do they wish they had done differently?

A great story might be one where a person gets advice from a friend about a decision.  The friend is happy with the choice they made, so the person decides to make the same choice.  Later, the person realizes they aren’t really happy with the decision they followed.  He realizes that his situation is different from his friend in an important respect, and he would have been better off making a different decision.  Some of the most powerful stories happen when people learn from mistakes.

Stories aren’t always simple — especially if we equate simplicity with minimalism.  They can involve many words, and twists and turns.   But stories can make complex situations understandable and memorable.  They can help individuals identify what’s personally important about a situation.

—Michael Andrews