Webinars

• How the Sponsorship Industry Can Build Brands and Engage Audiences from a Distance

  Join The T1 Agency and Environics Analytics on Thursday, September 24th at 1pm EST to learn more about how the sponsorship industry can move forward in these challenging times. During the hour we will be sharing insights from the four waves of the SponsorshipX COVID-19 Impact Study, including the most recent round of data collection from industry leaders. Learn how to leverage these insights to adapt strategies in order to continue to build lasting partnerships. We’ll also dive into the topic of audience engagement and share how you can leverage data to connect with the right target audience, bolster your brand power, pivot your activations, and maximize your returns by understanding what makes your audience tick.
  Join us  Thursday, September 24th, 2020 at 1:00 PM ET
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• Insights on Canadians' Financial Inheritance by Neighbourhood

  As Canada’s aging population and their net worth are projected to grow significantly over the next 10 years, the largest intergenerational transfer of wealth is expected to take place by means of inheritance. To-date nearly one-third of Canadian families have received some form of financial inheritance accounting for a total market of $576 billion according to Statistics Canada’s recent Survey of Financial Security. Environics Analytics has launched its newest financial product, WealthTransfer, to help marketers and financial institutions alike understand how to seize upon this significant opportunity. With WealthTransfer, you can identify at a postal code-level, areas with the highest likelihood of households receiving inheritances within a given year as well as quantify the total potential inheritance amount. Inheritance scores and indices have also been developed so users can easily create customer or postal code rankings and models. Together with our existing WealthCare product, which provides an overall indicator of financial wellness by age to help organizations identify the challenges and opportunities their customers are likely to experience, you can gain a better understanding of your target market and access incremental opportunities. Learn how you can capitalize on this financial trend and gain a deeper understanding of your potential consumers’ financial position by integrating WealthTransfer into your consumer insights practices.
  Originally presented August 19th, 2020 at 2:00 PM ET
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  Presented by:
  	Catherine Pearson SVP and Practice Leader, Finance Environics Analytics

  
  

• CPG: Business Planning in the Uncharted Waters of Economic Recovery

  A Canadian Grocer presentation Perry Hassen SVP and practice lead with Environics Analytics explains how retailers and manufacturers can use different data sets to plan sales and marketing activities for the balance of the year. You have been asked to come up with a revised business plan for the remainder of the year due to the uncertainly associated with COVID-19. You are not alone. Most CPG manufacturers and retailers are facing this very challenge. Following the unexpected surge in demand for groceries and household goods back in March and now moving into the period of economic recovery, we must now come up with our best estimates of how this will impact sales and marketing activities in the coming months. However, there are valuable data points we can use as markers to triangulate where and when things will start to get back to normal and in other cases settle into a new normal. In this session, we will explore the use of leveraging demographic, financial and privacy-friendly mobile movement data as important inputs to category and brand business planning, field sales prioritization and retail network planning. Originally presented July 2nd, 2020  Sign up below to view the on-demand presentation:

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• Moving Forward with Recovery Planning and MobileScapes

   

  COVID-19 has disrupted virtually every aspect of the world’s social and economic fabric, including Canada’s. But as we edge toward the down-side of the curve, organizations of every kind have to plan for economic recovery. How do marketers and other decision-makers move forward in these uncharted waters? We believe the answer is threefold:  First, developing an understanding of consumers’ movement away from their homes – who are they, where they are going, for how long and how this is changing week-to-week (and importantly, how this compares relative to pre-pandemic patterns) Second, differentiating these consumers and citizens based on their demographics, motivations and attitudes Third, identifying the neighbourhoods where these varying populations live in order to effectively reach and engage them Successfully accomplishing the steps above means leveraging new and existing data sources (including mobile movement data), incorporating innovative technologies and applying analytical and industry sector expertise – all within a privacy-compliant framework. Learn more about the launch of new MobileScapes and other products that can help businesses, not-for-profits and government agencies on the road to recovery.
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  Meet the Presenters
  	Evan Wood SVP and Chief Strategy Officer
  	Peter Miron SVP of Research and Development
  	Casey Price SVP of USA Sales

  
  

• Introducing ShopperChoice

  Looking to understand how the CPG-specific behaviours of Canadians are changing? Withour new ShopperChoice database, you will gaininsights into behaviours and attitudes towards in-store purchase decisions, online and smart shopping solutions, solving for meal occasions at home and on-the-go, and addressing health & wellness priorities.The ShopperChoice database uncovers the what, where, how and why behind the motivations for meal planning, health and wellness, and household item purchases. With ShopperChoice, you can access over 1200 variables, available by postal code, to help you understand CPG-specific behaviours and attitudes as they relate to pre-store, in-store and online activity. Learn how you can benefit from these new insights and gain an even deeper understanding of consumersby integrating ShopperChoice with other demographic, behavioural and psychographic information.
  Originally Presented July 16th, 2020 at 2:00 PM ET
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  Presented by:
  	Tyler Baird Account Manager, Consumer Packaged Goods Environics Analytics

  
  

• 2020 Data Update

  Learn about new and updated databases from Environics Analytics as well as insights on the changing Canadian demographic landscape. We will discuss how evolving neighbourhoods and demographic trends have led to the release of an all-new PRIZM segmentation system, including highlights of the most significant changes, what this means for PRIZM users and how it can help with marketing strategies – including COVID-19 recovery planning. You will also hear an overview of other updates to our Canadian databases included in the most recent release. See below for a complete list of products released on May 27.
  Originally Presented June 4th, 2020 at 2:00 PM ET
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  View the Recording
  The latest data release includes the following databases: PRIZM, PRIZM QC, DELTA, DemoStats, DaytimePop, AccultuRates, SocialValues, CommunityHealth, Opticks Powered by Numeris, Opticks Powered by Vividata, Opticks Mobile Powered by AskingCanadians™, Opticks Social Powered by AskingCanadians™, Opticks eShopper Powered by AskingCanadians™, ShopperChoice, ShoppingCentres, TrafficCounts, Enhanced PCCF, Streets & Boundaries
  Meet the Presenters
  	Danny Heuman Chief Analytics Officer
  	Sandra James Vice President, Data Development
  	Peter Pavlakidis Vice President, Data Product Management

  
  

• Compare online and offline shopping habits with ClickSpend™

  There is no question Canadians are shopping more online, but what they are willing to buy through their phone, laptop or computer can vary considerably by product category and consumer segment. How do you measure which products sell better online versus offline? Introducing ClickSpend™ Powered by J.C. Williams Group, our new database that will allow retailers to analyze the online and offline shopping habits of consumers across 14 different product categories. With this new database, retailers will be able to compare the online and in-store market share of the average retailer operating in the same area, optimize their merchandising mix and more. ClickSpend™ was developed in partnership with J.C. Williams Group, the highly respected retail and marketing consulting firm. Join our webinar on November 20 to learn more about ClickSpend™ and how it can help you make more informed strategic retail planning decisions.
  Key Webinar Highlights Understand the online and offline behaviour of your key customer segments in order to communicate with them more effectively and provide them with relevant offers Optimize the merchandise mix of bricks-and-mortar stores by focusing on items that consumers prefer to buy in-store and plan your real estate strategy to suit local markets Identify stores most at-risk of online sales erosion and adjust merchandise and overall experience to retain business Understand the marketing preferences and mindset of the offline shopper to retain those consumers near your bricks-and-mortar stores
  Download Event Presentation
  November 20, 2018 at 2:00 PM ET
  Meet the Presenters:
  		Michele Sexsmith  Senior Vice President, Retail and Real Estate Practice Leader Environics Analytics
  		Peter Miron Senior Vice President, Research & Development Environics Analytics

  
  

• New PRIZM Virtual Launch Event

  Now in its fourth generation, PRIZM and the databases it connects to offer users access to more than 30,000 data points about consumers’ demographics, motivations and behaviours at the postal code level. Hear about what's new, what it means for your organization and examples of industry applications. More than our annual update, this new schema of how Canadians live provides an actionable and data-driven level set for ongoing strategic work and, because it is also linked to new products monitoring more frequent and recent activity, can help with immediate tactical executions.  With the Canadian population undergoing unprecedented change in recent years—and facing new challenges in the last few months—it has never been more important for businesses, not-for-profits and government agencies to understand citizens and consumers and how to engage with them, especially as businesses re-open and the economy rebounds.
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  Originally Recorded May 21, 2020 at 2:30 PM ET
  Meet the Presenters
  	Evan Wood SVP and Chief Strategy Officer
  	Danny Heuman Chief Analytics Officer
  	Doug Norris SVP and Chief Demographer
  	Jan Kestle President and CEO

  
  

• WealthScapes 2019: Financial State of the Nation

  Canadians are feeling the sting from volatile stock markets and rising debt levels in 2018, resulting in the first drop in household net worth in a decade. Join us on September 19 at 2:00 PM ET for our annual financial state of the nation. This year we’ll provide an overview of the biggest factors affecting the net worth of Canadians, including which areas are feeling the greatest pressure as well as the ones bucking the trend. We’ll also provide more detail on how the fluctuations in the real estate prices are weighing on Canadian households. This session will appeal to anyone who wants to learn how to gain a deeper understanding the changing investment behaviour, spending power, debt levels and net worth of your customers. The session will also address some of the latest trends affecting financial organizations and the not-for-profit sector. The growing uncertainty around the economy could make it a challenging giving season for the not-for-profit sector. To counteract the effects of a potential slowdown, the not-for-profit portion of the webinar will explore how charities can get a clearer picture of their prospects’ financial capacity. The session will also discuss strategies that will help maximize donor support. The primary source of data used in this webinar is WealthScapes, an essential resource for financial institutions, retailers, charitable and other organizations looking to gain a better understanding of the financial and investment behaviours of their customers.
  VIEW THE RECORDING
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  Originally Presented September 19, 2019 at 2:00 PM ET
  Meet the Presenters
  	Peter Miron Senior Vice President, Research & Development Environics Analytics
  	Vito De Filippis Director, Business Development, Financial Industry Environics Analytics
  	Allen Davidov Director, Business Consulting, Not-for-profit Sector Environics Analytics

  
  

• There is Money on the Table: Opportunities in the Boomer Market

  Canada’s ageing population is one of the most significant demographic trends today—and the impact will be felt for decades to come. Over the next two decades, Canada’s older population will rapidly grow and account for an increasing share of wealth and total expenditures. Marketers who focus all of their energy on millennials may be missing a bigger opportunity.   Dr. Doug Norris will explain how today’s older population is different from their predecessors andhow the approach in marketing to them needs to change. The session will also highlight ways that businesses can accommodate the older population of today.   Key Webinar Highlights The importance and breadth of this potentially overlooked market How to reach the ageing population Challenges you need to be aware of when targeting the boomers     Download Event Presentation   Originally Presented on June 13, 2019 at 2:00 PM ET Meet the Presenter

  Doug Norris Senior Vice President and Chief Demographer Environics Analytics

  
  

• WealthCare: Assess the financial health of your customers

  With market disruption looming, Canadians will soon have more options than ever to choose who will guide them on their financial journey. With 43% of Canadians indicating money as their greatest stress, expect consumers to seek relevant advice and services to remedy this challenge. Learn more about how WealthCare was built to solve this challenge and enhance your ability to help your customers along their financial journey. WealthCare provides an overall indicator of financial wellness by age to help financial institutions identify the challenges and opportunities their customers are likely to experience. Register to learn how WealthCare can help you: Engage customers proactively with advice and programs to improve their financial wellness and gain their trust Differentiate your service offerings from your competition Align resources and programs to the financial needs of the community
  Originally Presented February 4th, 2020 at 2:00 PM ET
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  Meet the Presenters
  	Vito De Filippis Director, Business Development, Financial Industry Environics Analytics

  
  

• Key Demographic Trends and Data Updates

  How they could affect your organization and the broader economy.

  The Canadian demographic landscape is in a constant state of flux. The consumers you serve today may look quite different from those you served in the past or will serve five years from now. Join us as we discuss some of the most significant demographic trends in Canada and how they could affect your organization and the broader economy. This session will also feature some of the methodological changes and improvements we’ve made to our Canadian data products that reflect these trends. Key Webinar Highlights Learn about the latest demographic trends in Canada, sourced from DemoStats, our comprehensive demographic database that offers current year estimates and projections into the future Hear about the latest updates and enhancements to PRIZM, our popular segmentation system, and other important product enhancements, including the complete integration of 2016 Census data Understand use cases to see how you can apply our updated data products to gain customer insights, conduct trade area analysis, develop target marketing and improve your strategic planning.

  Download Event Presentation

  Originally Presented May 30, 2019 at 2:00 PM ET

  MEET THE PRESENTERS

  Sandra Albanese Research Director, Demographic Data Environics Analytics Lefty Papachristoforou Director, Product Management Environics Analytics

• Webinar: WealthScapes 2018

  Environics Analytics examines the financial state of the nation

  Are Canadians experiencing the bite of rising interest rates? Which areas have benefited from record-high stock markets? Who are the winners in the Canadian real estate market and how will the changing values of homes influence their financial outlook? Join us on September 13th for our WealthScapes 2018 webinar where we will provide an annual overview of the financial state of the nation. In this presentation, you’ll learn how WealthScapes can help you understand the changing investment behaviour, spending power, debt levels and net worth of your customers. The session will also address some of the latest trends affecting the non-profit sector with WealthScapes Fundraising and discuss the movement of wealth with WealthScapes Daytime. WealthScapes is an essential resource for financial institutions, charitable organizations and large retailers looking to a gain better understanding of the financial and investment behaviours of their customers.   Download Event Presentation MEET THE PRESENTERS Senior Vice President of Research and Development at Environics Analytics, Peter Miron leads the development of new data products and solutions. He is the original architect of much of the company’s financial data—including the Consumer Buying Power, HouseholdSpend and WealthScapes databases. Senior Vice President and Practice Leader at Environics Analytics, Rupen Seoni leads a practice area that includes the public sector, health care, energy and not-for-profits. He brings to his position over twenty years of experience in marketing analytics, working with organizations of all sizes to unlock the value of information in decision-making and business strategy. As Vice President of Business Development, Michael Warner provides high-quality service and support for EA applications and data products. With over twenty years of experience, he has lead responsibility for helping Banks and Financial Institutions with consulting and applications support to implement their marketing programs and custom modelling solutions.

  
  

• Compare online and offline shopping habits with the updated ClickSpend™

  Looking to better understand your customers’ shopping habits in order to optimize your merchandising mix and provide offers that are more relevant to your target market? ClickSpend™ Powered by J.C. Williams Group allows retailers to compare the online and in-store market share of the average retailer operating in the same area. Considering the online and offline shopping habits of consumers across 14 different product categories, including clothing, health products and food, ClickSpend helps optimize your product strategy.  Learn how ClickSpend can help you: Understand the online and offline behaviour of your key customer segments in order to communicate with them more effectively and provide them with relevant offers Optimize the merchandise mix of bricks-and-mortar stores by focusing on items that consumers prefer to buy in-store and plan your real estate strategy to suit local markets Identify stores most at-risk of online sales erosion and adjust merchandise and overall experience to retain business Understand the marketing preferences and mindset of the offline shopper to retain those consumers near your bricks-and-mortar stores
  Originally Recorded February 11, 2020 at 2:00 PM ET
  VIEW THE RECORDING
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  Meet the Presenters
  	Michele Sexsmith  Senior Vice President and Practice Leader for Retail and Real Estate Environics Analytics

  
  

• Environics Analytics 2018 Canadian Data Update

  
  

  On May 1st we released updated Canadian data for many of our popular products. This update includes DemoStats, the comprehensive demographic database that offers estimates for 2018 and projections for 2021, 2023 and 2028, as well as the latest edition of PRIZM5, our popular segmentation system that classifies Canadians into 68 lifestyle types to help you better understand and engage your customers and markets.

  Download Event Presentation

  Originally Webcast on Thursday, May 24, 2018, at 2:00 PM ET

  
  KEY INSIGHTS

  • Learn about the latest demographic trends in DemoStats, our comprehensive demographic database that offers current year estimates and projections into the future
  • Study use cases to see how you can apply our updated data products to gain customer insights, conduct trade area analysis, develop target marketing and improve your strategic planning
  • Learn about important changes that affect our products, including the migration to new geographies to match the 2016 Census
  • Discover new features in ENVISION5

  
  

  MEET THE PRESENTERS
  
  

  	As Vice President of Product Management, Teresa Sinopoli oversees our product lines and services life cycles, directing the development of new products, software-driven solutions and automated research packages. She collaborates with all of our teams, from software development to marketing, to develop a strategic plan for our entire suite of products and services.
  	Sandra Albanese is Research Director for Demographic Data, focusing on the development of standard data products using census demographics and geography. She has 17 years of experience with data development and providing clients with a variety of products: mapping profiles, survey ranking reports, trade area and response analyses, and custom reports.

  
  

• Up your game

  Using Data and Analytics to Meet Key Business Objectives
  Looking for ways to improve your customer experience and marketing ROI? Join us as we take you through some of the exciting and innovative ways data and analytics are being put to work to deliver results. In this webinar, we’ll review four case studies from the real estate, retail, tourism and not-for-profit sectors that our clients presented at our latest user conference. Whether you missed these innovative use cases at our conference or want a refresher, this session will inspire you to find new ways to use data-driven insights to address your business challenges.
  Key Webinar Highlights
  Learn how the Heart & Stroke Foundation’s new data driven strategy helped it sell out its charity lottery six weeks early and contributed to a 54 percent increase in year-over-year profit. Discover how Cushman & Wakefield is using visitor data, mobile data and survey research to understand its shoppers and potential customers to unlock new growth opportunities. See how Assiniboine Park Conservancy is using mobile analytics to get a completely new perspective on its visitors without having to rely on transactional data. Find out how Harry Rosen improved the accuracy of its predictive models by 16 percent and how it is applying insights to optimize its marketing strategy.
  View Event Recording
  Download Event Presentation
  Originally Presented March 27, 2019 at 2:00 PM ET
  Meet the Presenters
  	Michele Sexsmith  Senior Vice President and Practice Leader for Retail and Real Estate Environics Analytics
  	Rupen Seoni Senior Vice President and Practice Leader for Public Sector, Health Care, Energy, and Not-for-Profit Organizations Environics Analytics

  
  

• Making The Move To Mobile Analytics with Paul Tyndall

  Identify Consumer Travel Patterns—Any Day, Any Time, Anywhere

  Environics Analytics’ recently launched mobile analytics services are designed to support marketing and real estate related decision making for a wide range of industries. Combining the best practices in processing spatial data with privacy-friendly lifestyle segmentation, our mobile analytics allows businesses, not-for-profits and municipalities to identify who is visiting their locations, where they are coming from, how frequently they visit and how often they visit competitors. By quantifying how their trade areas and visitor profiles shift by time of day and day of week, organizations can better align their products, marketing and staffing by location. Environics Analytics’ Paul Tyndall, Vice President of Strategic Projects, will provide an overview of these services and their applications to help marketers develop fuller profiles of their patrons and create better customer experiences. Originally Webcast on Thursday, March 29, 2018 at 2:00 PM ET

  Download Event Presentation

  
  

  PAUL TYNDALL WILL SHARE INSIGHTS ON:

  • The unique characteristics of mobile data that make it a highly valuable and exciting new resource for generating consumer insights—whether you have customer data or not
  • Privacy compliant use cases to illustrate the types of insights that can be pulled from the growing mountain of mobile data points
  • How mobile analytics can help businesses, retailers and shopping centres better understand their consumers without the need for implementing costly loyalty programs
  • See what effect the competition is having on your business and discover if you’re cannibalizing your own sales

  
  

  MEET THE PRESENTER

  As Vice President, Strategic Projects, Paul Tyndall helps the team at Environics Analytics bring new product and service offerings to market. Paul has more than 20 years of experience working with data and analytics. Most recently, Paul led analytics, campaign design and member insights at Meridian Credit Union. Prior to that, he spent almost 10 years at RBC Royal Bank where he managed the modelling and segmentation team and oversaw the delivery of data-driven client knowledge and insights.

• Making The Move To Mobility Analytics

  Bring a new dimension to your customer insights

  Environics Analytics’ recently launched mobility analytics functionality in ENVISION5 is designed to support marketing and real estate related decisions for a wide range of industries. Combining the best practices in processing spatial data with privacy-friendly lifestyle segmentation, our mobility analytics allows businesses, not-for-profits and municipalities to identify who is visiting their locations, where they are coming from, how frequently they visit and how often they visit competitors. By quantifying how their trade areas and visitor profiles shift by time of day and day of week, organizations can better align their products, marketing and staffing by location. Environics Analytics’ Paul Tyndall, Vice President of Strategic Projects, will provide an overview of these services and their applications to help marketers develop fuller profiles of their patrons and create better customer experiences.

  Download Event Presentation Originally Presented Thursday, September 27, 2018, at 2:00 PM ET

  PAUL TYNDALL WILL SHARE INSIGHTS ON:

  The unique characteristics of mobility analytics that make it a highly valuable and exciting new resource for generating consumer insights—whether you have customer data or not Privacy compliant use cases to illustrate the types of insights that can be pulled from the growing mountain of mobility data points How mobility analytics can help businesses, retailers and shopping centres better understand their consumers without the need for implementing costly loyalty programs See what effect the competition is having on your business and discover if you’re cannibalizing your own sales

  MEET THE PRESENTER

  As Vice President, Strategic Projects, Paul Tyndall helps the team at Environics Analytics bring new product and service offerings to market. Paul has more than 20 years of experience working with data and analytics. Most recently, Paul led analytics, campaign design and member insights at Meridian Credit Union. Prior to that, he spent almost 10 years at RBC Royal Bank where he managed the modelling and segmentation team and oversaw the delivery of data-driven client knowledge and insights.

  
  

• First Look at Consumer Buying Power and Retail Market Power

  Environics Analytics presents the release of the new Consumer Buying Power and Retail Market Power databases. With notable improvements and changes, these databases allow users to conduct comprehensive expenditure analysis as well as identifying gaps in supply and demand in existing and potential trade areas. Sean Howard, Senior Vice President of Research and Development and Nuno Ricardo, Senior Data Product Manager, present product capabilities and use cases, while Jason Norfolk, Vice President of Product Management, showcases CBP and RMP reports and maps within ENVISION5. Consumer Buying Power provides current-year estimates and five-year projections of consumer demand for a variety of merchandise items, retail stores and Yellow Pages category headings. Retail Market Power provides estimates of total market supply and demand to identify opportunity gaps for any trade area in the United States. Originally Webcast on Thursday, March 15, 2018, at 2:00 PM ET Download Event Presentation

  MEET THE PRESENTERS

  As Senior Vice President, Research & Development, Sean Howard oversees the development of products and client solutions using census demographics and geography. A trained urban geographer, he previously worked as a GIS specialist at GeoDan and Associates where he managed a number of research projects in applied geography.

  A Senior Data Product Manager, Nuno Ricardo is responsible for Environics Analytics’ databases and third-party databases from Claritas and other key partners. He serves as the liaison among EA’s research and development, data providers and sales teams to ensure products meet client needs. Nuno has over 10 years of experience in the marketing analytics industry as a member of the Nielsen Claritas product team and the Esri ArcGIS online content team focused on demographic data and segmentation systems.

  As Vice President of Product Management, Jason Norfolk oversees Environics Analytics’ U.S. product lines, directing the development of new products, including software-driven solutions and automated client insights. He collaborates with all EA teams, including sales, software development and marketing, to develop a strategic plan for the U.S. suite of products and services. Jason has over 15 years of experience providing marketing analytics solutions using a wide variety of software applications, data sources and custom projects.

• Five Ways the 2016 Census Affects Marketers With Dr. Doug Norris and Rupen Seoni

  
  

  For the last two years Statistics Canada has being rolling out the results of the 2016 Census in six phases. Now that all of the Census data has been released, what does it all mean? On February 15, 2018, Doug Norris, Environics Analytics' Chief Demographer, and Rupen Seoni, Senior Vice President and Practice Leader, identify the key trends from the 2016 Census and discuss the implications for marketers. Originally Presented on Thursday, February 15, 2018, at 2:00 PM ET

  Download Event Presentation

  
  

  DOUG NORRIS AND RUPEN SEONI SHARE INSIGHTS ON:

  • Population growth and decline
  • Canada’s aging population
  • Wide variations in growth of households by age and type
  • A growing and changing cultural mix
  • Young Millennial women

  
  

  MEET THE PRESENTERS

  One of Canada’s leading experts on the Census, Doug Norris, Ph.D., is a Senior Vice President and Chief Demographer at Environics Analytics. He joined EA in 2006 after nearly 30 years with Statistics Canada, where he served as Director General of Social and Demographic Statistics. Currently, he assists companies, government agencies and not-for-profit organizations in using census and other statistical information for planning and marketing projects.

  Senior Vice President and Practice Leader at Environics Analytics, Rupen Seoni leads the public sector, non-profit and consumer goods practice. He brings over 20 years of experience in market analytics, working with market leaders to unlock the value of information in decision-making and business strategy.