Incentive Design Entry #0382 Classified Declassified

Why a referral scheme attracts the wrong customers

Paying for introductions selects the people most responsive to being paid. Volume rises and average customer quality moves in the other direction.

No visual record attached The written record below is complete.
Plate 143 — a referral form, with the motive line left blank.

Intuition test — answer before you read on

A paid referral scheme triples sign-ups while 90-day retention halves. What happened?

A company offers twenty pounds for each new sign-up introduced. Sign-ups triple. Retention at ninety days falls by half, and the accounts that stayed longest came from referrals made before the incentive existed. Nothing about the product changed during the period.

What everyone sees

Referral volume is treated as a demand signal, and the scheme is judged on cost per acquisition. Both numbers improve, so the programme reports success. The measure captures who arrived and not who was selected, and selection is where the change occurred.

What is actually happening

An incentive does not act uniformly on a population; it recruits differentially from those most responsive to it. Adding a payment shifts the mix of motives from social recommendation, which carries information about fit, towards payment collection, which does not. Schmitt, Skiera and Van den Bulte found that referred customers can be more valuable, but the mechanism depends on genuine matching by the referrer — exactly the component a per-head fee dilutes, an instance of the crowding-out effect Frey and Jegen documented.

Why it stays hidden

The selection hides in the timing of the two measurements. Acquisition is counted immediately and quality appears months later in a different report, usually owned by a different team. The scheme is also evaluated against its own target, which is sign-ups, so it succeeds on the terms it was set and the cost lands outside them.

An incentive selects who responds to it. A per-head fee replaces the referrer’s judgement with their willingness to be paid.

An incentive selects who responds to it. A per-head fee replaces the referrer’s judgement with their willingness to be paid.

The hidden part — entry #0382

Collect this card

An incentive selects who responds to it. A per-head fee replaces the referrer’s judgement with their willingness to be paid.

0 / 10,000 collected

Sources & further reading 3
  1. Schmitt, Skiera & Van den Bulte, "Referral Programs and Customer Value", Journal of Marketing, 2011
  2. Frey & Jegen, "Motivation Crowding Theory", Journal of Economic Surveys, 2001
  3. Akerlof, "The Market for Lemons: Quality Uncertainty and the Market Mechanism", Quarterly Journal of Economics, 1970

Circulate this file

Annotations are reserved for archive members.

Sign in to annotate