What is it that will drive a character to take an action?
By this, I mean to ask “What, in the character’s mind/worldview is the rationale that will cause them to do one thing instead of another? For the Author, this includes considering the underlying goal of driving the story in a believable way, consistent with the character’s behaviour as the reader understands it at that point in the story. An Author pulls a lot of strings and balances a lot of balls in order to get these goals to mesh.
For me, this requires either research into the elements that form a character: lifestyle, health issues, career or technical skills, values and religion, speech/vernacular and attitudes.
It sounds like a lot when I lay it all down at once here, but realistically, I only have to focus on one of those categories/areas at a time. In many cases, I can use my own experience to answer questions and narrow down the scope of research. Subjective elements (a character’s personal opinion, for example) is much easier to write – it requires little qualification via research.
Basically, whether I can immerse the reader in my character’s world by virtue of objective-seeming realism, or by using compelling and rich subjective “opinion” based on my own experience, it all boils down to creating an experience that the reader accepts and in which they want to immerse themself.