Anything we do has someone or something that benefits (customer) and someone/thing that pay the costs (patron). Interestingly, in most cases, each party plays BOTH roles.
Identifying customers
 - Start by listing all the "value" created by the actions you want to take. 
 - If the values are not in the TRM terms (time, risk, and money), switch to TRM values.
 - For each value, identify the customer that gains the value.
Identifying patrons
 - Make sure you have your list of customers (see above)
 - For each customer, identifying what TRM values they are giving up achieving your desired goal.
Example:
Let's say you are considering "adding social registration/login to your website".
Beneficial values
 - Faster login (time) - Visitor
 - Increased user count (money) - Business
 - Account security (risk) - Visitor
(is the security of my social media account better than the security of the business I am registering with)
 - Increased user count (money) - Social Media Platform(s)
Value Costs
 - Social media PII exposure to business (risk) - Visitor
 - Account security (risk) - Visitor
(is the security of my social media account worse than the security of the business I am registering with)
 - Development (time) - Business
 (would be money if using contractors instead of employees)
 - Maintenace (time) - Business
 - Infrastructure (money) - Business
 - Infrastructure (money) - Social Media Platform(s)
Customers/Patrons
 - Visitor
 - Business
 - Social Media Platform(s)
Note: there may others such as its a project team X is excited/loathes working on (time), which reduces/increases turnover risk (business).
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