Category Archives: Business Sector

e-commerce – it’s crowded out there …

shopping malls

In the world of e-commerce, it can be difficult to become known, seen or heard, particularly if you’re an SME without deep pockets to spend on the marketing machine.  There’s so much activity in the digital world that, as a customer, it’s a little like going down a high street with rows of shops that are thousands deep and thousands of storeys high, each offering different goods – and somehow you have to find what you want without a map.

This means that helping your customers find you has never been more important.  Whether it’s PR or celebrity endorsement, e-mail or TV, the need for publicity and marketing through multiple channels is an increasingly essential element for businesses in the world of e-commerce.

A friend of mine had seven siblings – and, as a child, getting the attention of one of her parents when they were all together at mealtimes could be tough.  Her tactics ranged from shouting to crying to getting up and quietly speaking directly into an ear.

Which is just like marketing.  Broadcast, social media, PR and advertising all offer an opportunity to be heard by your target market – if they’re listening.  But sometimes it can be helpful to deliver a personal or private message directly into the ear of the individual you are targeting.  That’s what direct marketing is about – whether it’s email, direct mail, telephone or social.  And it’s even more powerful if used in combination with an awareness-generating channel in the first place so that there’s recognition when the direct marketing message is received.

For me, that’s the challenge and fun of multi-channel marketing – using all the relevant resources available to get your message across, and making the message relevant to specific individuals.  And with the sheer volume and detail of data available now, there’s no real reason not to do an exceptional job of identifying, understanding, targeting and reaching your customers with appropriate messages and offers.

Even better, you can actually measure the results and see how wisely you’ve spent your budget – an essential part of planning your next campaign.

In our marketing and data consultancy, Tuffill Verner Associates, we have helped businesses generate awareness and sales both on and offline.  With over 30 years experience we provide results-driven, data-led, clear, tailored practical and creative advice to businesses who want to make the most out of their marketing activity.

If you’d like to chat about your business issues, please call Victoria on 01787 277742 or email


Social behaviour – tread softly…

Tread softly

I have spread my dreams under your feet                                Tread softly because you tread on my dreams                                         

W.B. Yeats

This is one of my favourite quotations, not only because it is excellent advice, but also because it is a pertinent reminder of just how fragile people are.

There seems to be an increasing acceptance of basic rudeness throughout our daily lives – in social media, online forums and discussions, at work and at play.  But it’s worth remembering that, regardless of how logical they may seem on the surface, people are basically driven by emotion. Which makes it just too easy to shatter dreams, whether those of a client, an employee or a colleague or a friend. 

This can be particularly destructive in the workplace where even a simple dream – perhaps a desire to learn, do well, be appreciated, contribute, be promoted, or just take pride in ones work – can be broken by a careless remark or, worse, ongoing inconsiderate behaviour.

And a worrying amount of dream-crushing is due to thoughtless behaviour, and is therefore both unnecessary and cruel.  Worse still, an insensitive act may, at heart, have nothing to do with the particular individual whose dream is being trampled. In too many cases, it can be the pressure of work or problems at home or inherent selfishness which cause inappropriate behaviour and slights to colleagues and direct reports.

Some of the signs of lack of consideration and respect include:

  • not listening
  • not saying please or thank you
  • talking over people in meetings or during presentations
  • being late for meetings or calls
  • an ill-considered put-down
  • insulting or rude behaviour
  • knowing better but not explaining why
  • always being right – even when wrong
  • ignoring others’ views and opinions
  • not bothering to communicate

This behaviour is impolite at best, unkind at worst, and, when ongoing, is extremely likely to lead to resentment and frustration.

People like to be well-thought of by people they admire.  So teaching, explaining, supporting and listening is far more likely to lead not only to enthusiasm and motivation, but also to genuine respect.

When dealing with people, it can often be helpful to flip things round 180 degrees before speaking or taking action.  Just a brief hop into the recipient’s shoes to consider their likely reaction helps with choosing the right message and even the words.  Of course it’s essential to understand what drives the individual in question so that the shoes actually fit…

This is particularly true when reviewing employees.  It’s quite feasible that a dream or ambition may need to be channelled or tempered  if it’s unrealistic in relation to an individual’s skill set.  This sort of issue obviously needs very careful handling with the ultimate aim of re-setting expectations.

But given that pride is such a key component of many human beings, this may not always be possible.  In which case, a botched attempt may be destructive both to the employee, the director or manager’s relationship with the employee, and, ultimately, the business.

It’s always worth remembering Dale Carnegie’s accurate observation:  When dealing with people, let us remember we are not dealing with creatures of logic. We are dealing with creatures of emotion, creatures bristling with prejudices and motivated by pride and vanity.

Whether you agree or disagree, or if you have a story to tell, just reply below and let’s start a conversation…

Victoria Tuffill –   01787 277742 or  07967 148398.   Have a squint at  our website.  And yes, we’re on Linked In, and Twitter

Content marketing … back to school

I recently met Simon Hepburn virtually, through LinkedIn and his excellent website, Marketing Advice for Schools.  Simon is a teacher and schools marketer who set up his website to help those looking to make their school stand out in today’s increasingly complex market.  He is also the author of ‘An Introduction to Marketing for Schools‘, an excellent         e-book which summarises the key issues involved through all areas of marketing a school.

I regularly visit Simon’s website and enjoy his articles.  He is, I think, one of the first to identify that with over 2,000 academies and nearly 100 free schools, it is just a matter of time before they realise that they are all competing both with each other and with private schools.  And while schools with the status of, for example, Eton, are likely to continue unhampered, sooner or later schools of all types are going to have to turn to all aspects of marketing – including a mix of traditional and 21st century channels like social media, blogging (perhaps story-telling is a better description) and digital PR.

Simon very kind agreed to let me reprint his article on how to find engaging stories in a school – the perfect subject for our Tuffill Verner blog which looks to share information, content, and encourage stories, information and engagement.  My personal view is that schools simply don’t yet make the most of this opportunity, though I have seen some excellent examples of school blogs, particularly from Heads.  But I have to say that I take particular enjoyment from the blogs that are written by or in combination with the pupils – and I’d love to see more schools engaging in this type of activity – it gives a real insight into what goes on in a school.  This is one of my favourites.

Without further ado, here is Simon’s article.

How to Find Engaging Stories in a School

What would persuade you to buy a new car? You’d probably want a test drive. But that wouldn’t be enough.  You would want to hear from people who had used cars of the same make and model, read reviews, and compare specific facts with other cars.

Choosing a school is a much more important decision than a new car – and so evidence becomes even more important.  A school can claim to do many things – to be academic, caring, exciting, inclusive – but without actual evidence this will not be trusted.

How do you find and present this evidence in a school? Perhaps the best approach to take is that of a local journalist and find the stories that show your school in action. Here are a few tips…

1. Ask face-to-face – in a school community there is a lot of exciting news every day – but much is happening well away from the centre. You can ask in a number of ways but the best is to attend department or year group meetings and talk face to face about what you’d like to hear about. Email is much less effective – although you can follow up meeting with emails.

2. Make it easy for teachers and students
 – don’t insist on fully written stories. All you need is a brief tip-off that something is going to happen.

3. Keep a news diary – record everything in the future with a date against it. This allows you to communicate in advance, when the event is happening (live Tweeting?), and again after you’ve recorded it.

4. Focus on a few top stories – once you’ve got information coming in, filter it and choose the stories that best meet your school’s key messages to work on. (But make sure to thank everyone who sends you ideas!) You will have your own idea of how many stories you can work on.

5. Involve students – ask participants in an event to write down their stories or take photos or videos. You could ask them to keep diaries or blog from a trip (with moderation of course!)

6. Use a range of media to record stories – using photos and video as well as words is vital. The good news is that almost everything will be photographed and videoed on a smartphone – ask for people to email you the best pictures!

7. Interpret jargon and data – a lot of school news (especially when student assessment is involved) can appear dry and be full of acronyms. Take time to remove this and tell the story in a way that a parent or student can understand (and check with a real parent or student!)

8. Encourage sharing of stories. Nothing will encourage more people to tell you stories than seeing themselves featured – whether on the school website, in local papers or on Facebook or Twitter. Creating a ‘news page’ on your website with links to social media is a great way of starting this. Here’s an example from the US

Simon Hepburn, November 2012

As always we welcome views and debate on all subjects – I hope you found Simon’s article helpful, and that it provides food for thought – don’t hesitate to comment if you have any further thoughts or questions.  And we recommend that you hop over to his website yesterday to get even more information from him!  

And if you’d like some help marketing your school, please get in touch.

Victoria Tuffill – Partner Tuffill Verner Associates – 

01787 277742 or 07967 148398.  

Do visit our website.  And yes, we’re on Linked InTwitter  and Google+

Protecting the innocent and vulnerable against First Party Fraud

Life’s not fair. And that’s a fact that we tend to learn very early on in life. But the level of unfairness generated by fraud in the UK is grotesquely unfair. The Fraud Advisory Panel states that UK Fraud is estimated to cost every adult in the country an average £765 per adult.

Against that backdrop, there is a requirement (particularly among those in the water industry, energy providers, telcos and financial services) that businesses should “treat customers fairly” – a challenging goal, given the increasing sophistication and ongoing evolution of fraud.

The many faces of fraud

Fraud has many faces – and it’s somewhere between difficult and impossible to keep up with the latest innovations from fraudsters. Fortunately technology, combined with experience, provides solutions to some of the problems. Identity verification, address and age verification, voice analysis, IP address checks, CCJ and credit checks all help in the battle against identity theft, cybercrime, password theft, credit card fraud, consumer scams and so much more. Transactional and social media all have a part to play – and can be particularly effective in the area of first party fraud.

First party fraud

So what is first party fraud? And how big a problem is it? Fraudscreen defines it as “your own customers, using their own identities, taking advantage of your inability to challenge their version of the truth, in a distance selling environment”.

And why not? It’s easy to do if you’re so inclined – just tell lies to businesses in situations where they can’t prove that you are not telling the truth.

The result? Higher costs for everyone. £765 per adult, much of which is due to first party fraud, is a huge amount of money for any individual. And it is the innocent, the vulnerable and the honest who end up paying the price for other people’s dishonesty.

Changes in culture and consumer behaviour

What’s particularly alarming is that this kind of opportunistic behaviour is continuing to grow across all demographics and throughout the UK. According to the National Fraud Authority Experian Fraud Index 2010 (April 2011), private sector fraud cost the UK economy £9.5 billion in 2010. Of this, over half was attributed to first party fraud – and when talking about automotive fraud, the percentage shot to a massive 80%!

We can make excuses about the economy, but this increase is at least in part driven by the shift in UK culture. Even in 2010, according to an ABI survey, 44% of individuals consider it acceptable to inflate the value of an insurance claim; in addition, consumers have been encouraged by the legal profession and others to claim injuries that cannot be disproved (soft tissue damage such as whiplash) – needless to say, this drives motor insurance prices ever upwards – last year saw a 39% increase!

‘Society’ has become increasingly tolerant of dishonest and opportunistic behaviour, and this acceptance has led to increases in first party fraud across home shopping, TV licensing, government-funded benefits, insurance, water and energy companies, lenders (credit cards, mortgages, banks and building societies, payday lending).

The common denominator? All these sectors offer the consumer the opportunity to receive goods, services, or money dishonestly, by exploiting weaknesses within a business’s systems and processes – particularly where there is no comeback in terms of CCJ or credit score. For example, first party fraudsters deliberately

  • Apply or place an order for goods, services, or loans with the pre-meditated intent NOT to pay
  • Tell lies on application forms
  • Claim that home shopping parcels have been returned or were never received
  • Falsify insurance claims and/or inflate the value of the claim
  • Falsely claim injuries that cannot be disproved
  • Fail to pay insurance instalments once certificate has been received

Until relatively recently, this sort of behaviour has gone largely unchallenged and has simply been attributed to bad debt, or delivery issues, or just not picked up at all.

The rule is simple. When it’s pre-meditated, it’s first party fraud.

Treating your customers fairly

The simplest solution for businesses is to tar all customers with the same brush and spread the costs among everybody. Unfortunately this means that the honest, the innocent and the vulnerable end up paying the price for the dishonest minority.

It’s hard to know that an individual “intends” to behave in a dishonest way before he has actually done so. But the good news is that, in statistical terms at least, it is possible to pull apart your customers into predictive segments of good, bad or mixed behaviour. Fraudscreen, for example, can be applied as early as prior to making an outbound marketing decision; for inbound, at point of application; even after the horse has bolted – ie when you’re at the point of collections or, worse, recoveries.

Having used conventional fraud prevention techniques to ensure you know to whom you are talking, it is then a matter of applying additional data that tells you how consumers are likely to behave. Most particularly, how they will behave in an environment where they can ‘get away with’ opportunistic behaviour – where it actually doesn’t matter what they do – because there will be no come-back in terms of credit score or litigation.

Third Party Data for First Party Fraud

There is a range of data sets that are used, individually and in combination, to prevent fraud of all types, including first party fraud.

Credit data identifies a customer’s ability to pay. CCJ and similar data is also extremely useful, but works best in combination with other data sets as it provides absolutely no information on individuals who have no CCJ against them. Geo-demographic data can also be useful as part of an overall data solution, as can transactional data like Goods Lost in Transit – a tricky area as not all GLIT is caused by bad people – it can just be that something’s genuinely gone wrong, or the person delivering is lazy or dishonest.

Consumer behaviour and attitudes

There are also data sets which can be used to understand a consumer’s behaviour and attitudes. Social data is becoming an interesting tool from a first party fraud perspective – useful insights can be carefully drawn from self-reported data on Linked In, Facebook, Twitter, Google + etc. In insurance, CUE, though it has some bugs to iron out, provides claims information which can be a useful tool to verify whether or not people are telling the truth on their application forms – especially as the consumer is now quite sophisticated in his use of aggregator sites to test which answers to which variables will provide the lowest premium. The application form has now become more about price than telling the truth.

And, of course, there’s Fraudscreen, a data solution which was designed from the outset to identify consumer groups who are likely (or not) to behave opportunistically (ie first party fraud), and provide categories of consumers who are statistically more or less likely to lie for their own gain, or steal if it’s easy, or claim money or refunds from service providers. Fraudscreen can be applied across sectors to segment customers into groups of predicted good, bad or mixed behaviour. It’s an ideal solution for helping businesses in their goal of treating customers fairly as its data provides insights into consumer attitudes towards payment and honesty. And it means that the innocent or vulnerable consumer is less likely to pay for the behaviour of the opportunistic consumer.

First party fraud isn’t going anywhere, and the issues of treating customers fairly will continue to grow. A water company recently quoted that honest consumers end up with an additional £16 on their water bill, purely to cover the costs of those who won’t pay. Rather than make everyone pay for the faults of the few, surely it would be fairer to punish the dishonest, reward the honest, be fair to the innocent, and help the vulnerable?

Fraudscreen was designed to help businesses treat consumers fairly, and succeeding in that challenge will provide businesses with a real edge over their competitors, help them gain and keep new customers, afford excellent PR opportunities and improve their profitability.

Victoria Tuffill is a direct marketing consultant with over 30 years experience. She founded Tuffill Verner Associates consultancy with Alastair Tuffill in 1996. She is also founder and Director of Fraudscreen – a data tool that assists in the prevention of 1st party fraud. Her experience ranges across businesses including publishing, home shopping, insurance, utilities, telcos and collections.

© Victoria Tuffill and Tuffill Verner Associates, April 2012. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Victoria Tuffill and Tuffill Verner Associates with appropriate and specific direction to the original content.

So what’s new about multi-channel marketing?

multi-channel imageWell, I know I’ve been in marketing for a long time. But I can’t help raising a wry smile when I hear today’s up-and-coming extol the virtues of this or that media channel, and propose it be used as a marketing tool. Occasionally (too rarely) they even suggest testing and measuring results. And the listener is left with the impression that direct marketing is all their very own invention.

There is no doubt the media opportunities have evolved beyond recognition since the direct marketing of the ‘90s. As well as traditional channels like direct mail, loose inserts, press ads, telemarketing, package inserts – all of which are, when appropriately used, an effective part of the marketing mix – we can include email, websites, e-commerce, mobile commerce, apps, social networks, blogs, e-newsletters, microsites, links, PPC etc etc.

And it’s not only the number of channels that has expanded. So has the number of vessels which deliver our communications every day. Technology’s exploded into smartphones and iphones, tablets and ipads, readers, smart TVs, pcs, laptops, Macs. Print media is also evolving – with more advertising in return for free information, QR codes to integrate with new technology, and a greater degree of personalisation within customer communications.

To cope with the diversity and range of channels, marketing platforms are evolving to help businesses integrate their marketing and make it customer-friendly.

Of course the prolific nature and ongoing evolution of marketing channels drives a correspondingly diverse number of “experts” who offer a range of “optimisations” – search engine optimisation, conversion optimisation, click-through optimisation, social media optimisation and so on.

But what I find so interesting is that, despite the new and continuously evolving channel opportunities, the basic principles of direct marketing are unchanged. It’s still a science that involves data, analysis and insight, media choices, creative and design, pricing, branding, product, offer, research, communication, delivery and customer service.

And it’s still about identifying and understanding the customer. Testing data, channels or media, offers, products, new ideas, new creative / copy, response and delivery mechanisms is still an essential part of the process.

And, vitally, it’s still about identifying and measuring the business’s key metrics ongoing to provide insight and refinement of ongoing, healthy and integrated activity.

Certainly there are significant shifts in consumer behaviour – they are more sophisticated, with a shorter attention span. They are hit by multiple messages about multiple products and services from multiple businesses via multiple devices. The lines between above- and below- the-line advertising have blurred to the point of oblivion – which does make the measurement of individual media channels a little more challenging.

But ultimately, the aim of any successful business has to be to deliver appropriate and seamless services, products and communications to its customers, while allowing the customer to deliver communications back through the channels of their choice. And the company that can achieve that is the company that will succeed, both now and in the future.

by Victoria Tuffill 30th August 2012

Victoria Tuffill is a direct marketing consultant with over 30 years experience. She founded Tuffill Verner Associates consultancy with Alastair Tuffill in 1996. She is also founder and Director of Fraudscreen – a data tool that assists in the prevention of 1st party fraud. Her experience ranges across businesses including publishing, home shopping, insurance, utilities, telcos and collections.

© Victoria Tuffill and Tuffill Verner Associates, August 2012. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Victoria Tuffill and Tuffill Verner Associates with appropriate and specific direction to the original content.