For this discussion, you are going to advise Mr. Scharf on a key issue.

• What about the incentive system employed by Wells Fargo resulted in massive creation of fake accounts by the retail operation? And why did it only get worse from there?
• As you dig into this issue, remember Froeb's rule from Chapter 1: "Avoid the temptation to think about the problem from the employee's point of view . . . [and ask] how does the organization give employees enough information to make good decisions and the incentives to do so?" (1).
• Your post for this discussion should answer the question above and address components of motivation and incentive in order to present Mr. Scharf with reasonable and evidence-supported advice on this issue.