Unlocking the Power of Behavioral Science
and Big Data Analytics

1. Understand the Psychology Behind Financial Decision Making

Gain insights into why people make certain financial choices and learn how to leverage this knowledge to your advantage. Behavioral science adds a human element to financial practice and analytics, allowing for a more realistic understanding of decision-making processes. By analyzing actions, preferences, and patterns, we can make data-driven decisions that drive growth.  By incorporating psychological insights into data analytics, we can make more accurate predictions and develop better-informed strategies.

2. Apply Behavioral Insights in Financial and Data Analytics

Discover how behavioral science can enhance data analytics by considering human behavior as a key factor. Incorporating psychological factors into financial models and data analytics allows for more accurate predictions and better corporate or policy recommendations.

3. Promote Sustainable Practices through Behavioral Interventions

Leverage behavioral science strategies to maximize sustainable strategies in companies and government. Unlock the potential and encourage sustainable behaviors among individuals, organizations, and communities. By understanding the motivations behind sustainable actions, you can design effective policies, practices, and interventions that drive positive change.

4. Making More Informed Decisions

Access real-time data on market trends, competitor behavior, and consumer preferences. With behavioral science combined with big data analytics, we can optimize marketing efforts by targeting the right audience with personalized messages at the right time. With all this information at your fingertips, you can confidently make better, more informed decisions.   

5. Take a Global Approach with a Human Focus

Tradition holds great influence in shaping our sense of self and linking us to our history. A holistic approach that blends behavioral science and data analysis takes into account long-standing customs, worldwide patterns, and cultural subtleties. By merging scientific rigor with compassion, we can guarantee that solutions are not only grounded in evidence and successful, but also prioritize the needs of individuals.


Endorsements and Recommendations

Author of Practical Economics in an Ever-Changing World
A textbook combining behavioral science, sustainability, and economic theory
to better understand the reality of the world in which we live.
Find out more.

Recipient of the 2022 ACBSP Teaching Excellence Award (Region IV)

Fellow of the University of Minnesota Institute on the Environment


 Rutherford Johnson, PhD, ALM, MSc, FRGS is an accomplished leader, educator, behavioral scientist, data analyst, and cleric with over 25 years of international experience. He focuses on empowering others to form valuable collaborations that improve lives.

As an experienced chief executive and compassionate clergyman, Dr. Rutherford is known for his positive, data-driven, people-oriented approach that helps teams surpass expectations. He also has a unique talent for building relationships with donors. Also, he regularly leads teams that provide expert policy advice to the United Nations General Assembly and Economic and Social Council on critical global issues such as humanitarianism, economics, sustainability, and social matters. 

Throughout his work, Dr. Rutherford prioritizes authentic diversity, equity, and inclusion to create a sense of belonging for all individuals. With versatility gained from experience in government, diplomatic service, and academia, he effectively turns challenges into opportunities.

Dr. Rutherford adapts his leadership style to suit the needs of organizations and stakeholders while maximizing team effectiveness. His guidance has propelled several organizations to international prominence. As an educator, he strives to bring out the best in his students by preparing them for success beyond the classroom.

Dr. Rutherford is also a skilled behavioral scientist specializing in data analytics coupled with behavioral economics and psychology. He began working in data analytics in the 1990s at the Georgia Tech Research Institute and began parallel studies in psychology at the same time at Georgia Tech as an Applied Physics major. He holds degrees from Harvard University Extension School, Georgia Institute of Technology, and the University of Kentucky’s College of Agriculture. Having lived and worked globally, he maintains a global outlook with a human focus. As a consultant, he had helped clients around the world.

Also, Dr. Rutherford is a popular international speaker, consultant, and author whose academic research interests include environmental and social sustainability as well as behavioral economics and the economics of culture and religion. He is also a retired high-altitude alpine mountaineer and mariner with certifications in navigation and maritime search and rescue.

With a strong dedication to linguistics related to his heritage and beyond, Dr. Rutherford speaks Italian, Russian, Spanish, French, German, and Korean at various levels of proficiency.


Endorsements and Recommendations

Professional and Academic Degrees

University of Kentucky
    Doctor of Philosophy (PhD), Agricultural Economics
           (Focus on data analytics and behavioral science in health information.)

Harvard University Extension School
     Master of Liberal Arts (ALM), Sustainability
     (Focus on policy-driven sustainability analytics.)
     Graduate Certificate (Grad. Cert.) in Corporate Sustainability & Innovation
     Graduate Certificate (Grad. Cert.) in Social Justice
     Graduate Certificate (Grad. Cert.) in Business Communications

Harvard Business School Online
     Certificate in Sustainable Business Strategy

Georgia Institute of Technology (Georgia Tech)
    Master of Science, School of Economics
    Bachelor of Science in Applied Physics with Honor

Select Executive and Professional Appointments

URRC, Inc. (global humanitarian foundation in special consultative status with the United Nations ECOSOC)
     President and CEO, 2008 – present

University of Minnesota Crookston

     Program Lead, International Business, 2017-present
     Senior Faculty – Lecturer of Economics, 2015-present
     Senator, University Senate, 2022 – present, (University of Minnesota System)
     Professional and Administrative Senator, 2020-present (University of Minnesota System)
     Member, Term Faculty Advisory Subcommittee, Committee on Faculty Affairs, University Senate (University of Minnesota System)
     Member, Systemwide Sustainability Committee (2021-present)
     Advisory Council on Diversity (2016-2019)
     ACBSP Business Accreditation Committee (Co-Lead, 2017-present)

University of South Alabama
    Adjunct (Research) Professor of Economic Geography, 2014-2017

Georgia Institute of Technology (Georgia Tech),  Atlanta Georgia
    Visiting Faculty Scholar (School of Economics), 2010

SolBridge International School of Business, Daejeon, South Korea (AACSB Accredited)
     Assistant Professor of Economics, 2008-2011
     Campus Chaplain, 2008-2011
     Faculty Activities Committee, 2008-2011
     Convergence Management Faculty Group, 2010-2011

University of Kentucky (College of Agriculture, Food, and Environment)
     Graduate Research Assistant, 2003-2007

Georgia Tech Research Institute

     Student Research Assistant, 1997-2000

Select Academic Honourary Appointments

Royal Geographical Society, London, U.K.
    Fellow, Elected 2018 (FRGS)

University of Minnesota Institute on the Environment, Minneapolis, Minnesota, USA
     Fellow, Elected 2023

West East Institute
    General Conference Chair, 2018-present

Real Academia e Institut d'Estudis Occitans
, Buenos Aires, Argentina
    Honourary Presiding Chair “de Gabalie” & Honourary Professor of Liturgy and History, 2019

Select Academic Publications

Johnson, R. (2021). Understanding Local Perceptions to Guide Poverty and Housing Policy: An Urban Planning Case Study in Crookston, Minnesota. Journal of Urban and Landscape Planning, 6.

Lundbohm, R. & Johnson, R. (2022). Implications of Hybrid Courses on Perceived Learning of Undergraduate Students and their Anticipated Benefits in a Post-Pandemic Environment. Transnational Journal of Business, 7.

Johnson, R. (2021). Improving Police-Public Conflict Resolution to Improve Sustainability Decision Strategy. Journal of Human Resource and Sustainability Studies, 9(4).

Johnson, R. (2021). Strategic Behavior and Determining the Direction of United States Climate Policy. Journal of International Business and Cultural Studies, 13.

Johnson, R., and Walker, E.G. (2021). Willingness to Pay for Recreational Land Use in Minnesota. International Journal of Food and Agricultural Economics, 9(1).

Johnson, R. (2018). The Psychology of the Overview Effect and Global Economic Ethics. Psychology, 9(7).

Johnson, R. (2017). An Economic Multipoint Gravitational Model Expression of a Transactional Analysis Game:  An Application to Recreational Private Land Use Decisions. Journal of Applied Business Research.

Johnson, R. (2017). Choice Waves and Strategic Interaction. Journal of Technology Research, 7.

Johnson, R. (2016). A Probabilistic Demand Application in the American Cracker Market. International Journal of Food and Agricultural Economics, 4(3).

Johnson, R. (2015). High altitude mountain economics: Measuring the effects of extreme conditions on consumer behavior. Journal of Behavioral Studies in Business, 8.

Johnson, R. (2015). A Spatial Application of Choice Waves: Decline in Church Giving in the United States during the Recession.” Journal of Behavioral Studies in Business. Vol. 8. 2015.

Johnson, R. (2012). The Choice Wave: An Alternative Description of Consumer Behavior. Research in Business and Economics Journal, 5.

Johnson, R. (2011). Can Educators be Motivated by Management by Objective Systems in Academia? Journal of Academic Ethics, 9(1).

Johnson, R., Hu, W., Pagoulatos, A., and Debertin, D. (2011). Response to General Health Information in the Food Industry: A Panel Case Study in the Domestic Cracker Market. Journal of Food Products Marketing, 17(1).

Hawtrey, K. and Johnson, R. (2010). On Moral Atrophy and the Global Financial Crisis. Journal of Religion and Business Ethics, 1.

Johnson, R. (2009). The Loss of Religious Values Following "Excessive Affluence" and Its Potential Contribution to an Economic Crisis. Proceedings of the China Taiwan Trans-Sea Economics and Finance Conference. Suzhou, China.

Fleming, R.A., Johnson, R., and Pagoulatos, A. (2005). WTA for Consumptive and Non-consumptive Use Access to Private Lands when Affirmative Responses are Poisson Events. Proceedings of the W-1133 Regional Project. Salt Lake City, Utah.

Select Articles in Scientific Magazines

Rutherford Johnson and R. Barry Johnson. “The Trouble with Changing the Term ‘Statistical Significance [Letter to the Editor].’” Significance. Royal Statistical Society. December 2019.

Select Academic Presentations & Seminars

Lundbohm, R. and R. Johnson. “Student Preference of Learning Modality and Online Activities.” ACBSP National Conference. June 2021.

Lundbohm, R. and R. Johnson. “Assessing Learning in Hybrid Courses in Higher Education.” ACBSP National Conference. June 2020.

R. Johnson and E. Walker II. “Parallel Rationality in Strategic Land Use Decisions in the Hospitality Industry.” West East Institute International Academic Conference. Harvard Faculty Club. Cambridge, Massachusetts, USA. July/August 2019.

R. Johnson, O. Wieland, and A. Ahmed. "Reflective Learning: "Assessment Benefits of the Student Experience at the Global Case Competition at Harvard." Indiana University Purdue University Assessment Institute Annual Conference. Indianapolis, Indiana, USA. October 2018.

Walker II, E. Johnson, R., & Jones, M. D. "Differences among Northwest Minnesota residents and non-residents in willingness to pay for regional recreational activities." 2018 National Outdoor Recreation Conference: Building Resilient Communities, Environments, and Economies, Burlington, VT. April 2018.

O. Wieland, R. Johnson, and A. Ahmed. "Reflective Learning: The Harvard Global Case Competition as a Student Retention Experience." ACBSP Regional Conference. Minneapolis, Minnesota, USA. October 2017.

R. Johnson. "Incorporating a Geocultural Dimension in Classroom Education." 2017 Annual Meeting of the ACBSP. Anaheim, California.

R. Johnson. "Beyond One-Size-Fits All: Teaching in a Multicultural Classroom." 2017 Teaching Professor Conference. St. Louis, Missouri, USA.

Wieland, O.; R. Johnson; and A. Ahmed. "Reflective Learning: The Journey of the Harvard Global Case Competition." University of Minnesota Academy of Distinguished Teachers' Conference. Minneapolis, Minnesota. 27 April 2017.

Johnson, R. “A Multipoint Gravitational Model Expression of a Subconscious Transactional Analysis Game.” 2016 International Academic Conference on Business. Las Vegas, Nevada.

Johnson, R. “Choice Waves and Strategic Interaction.” AABRI International Academic Conference. Albuquerque, New Mexico. 2016.

R. Johnson. “A Spatial Economic Analysis of Potential Contributing Factors to Recent Declines in Church Giving in the United States.” Annual Conference of the Southeastern Division of the American Association of Geographers. Athens, Georgia. November 2014.

R. Johnson. "Excessive Affluence and Its Potential Contribution to an Economic Crisis." American Economics Association annual meeting. Atlanta. January 2010.

R. Johnson. "The Loss of Religious Values Following "Excessive Affluence" and Its Potential Contribution to an Economic Crisis." China Taiwan Trans-Sea Economics and Finance Conference. Suzhou, China. May 2009.

W. Hu, R. Johnson, A. Pagoulatos, and D. Debertin "Response to General Health Information in the Food Industry: A Panel Case Study in the Domestic Cracker Market." Food Distribution Research Society Conference. 2008; Kentucky Economics Association Conference. 2007.

R. Johnson, S. Vickner, A. Pagoulatos, and D. Debertin. "Health Media Coverage and Consumer Choice: A Panel Data Econometric Analysis of the Domestic Cracker Market." Selected paper at the AAEA National Meeting, Long Beach, California, 2006

Select Academic Course Development

Developed, internationalized, and added sustainability components to courses in Microeconomics, Macroeconomics, Business Analytics, Global Trade Economics, International Dimensions of Business and Culture, Physics, Mathematics, Business Mathematics, and Business, Technology, and the Global Environment.





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