Digital vigilance - notes on web and social trends by a digital professional (@b3tony). More info at www.betonylloyd.com.
Tuesday, 6 August 2013
Best Practice in UX - Ideal Airlines
None of the suggestions are ground-breaking, but when well-executed with good design they would make booking a flight an altogether more enjoyable experience. Well played.
Wednesday, 31 July 2013
Top 5 Tips : Twitter Analytics
Twitter is, and always will be, about personal connections. Of course we all have a narcissistic interest in how many people are listening to us, but paying too much attention to 'what makes a popular tweet' will mean we end up sounding like an empty, self-serving, brand. Or worse, the PR agency of a brand.
Trace what you tweeted when your unfollows spiked. If you're building a following it will be useful to know what turns people off. But again, don't get obsessed with not tweeting the "wrong" thing: genuine, honest tweeters will always gain more followers than they lose.
Do certain types of tweets get more RTs and fewer favourites? Are your pictures more popular than vines, or vice versa? Is there a particular hashtag that has worked well for you?
Monday, 29 July 2013
Digital Shoreditch and the great tech swizzle
It was my first year there this year and I did enjoy the event overall. We went to the 'make and do' session as it was the only one which wouldn't mean a day off work. At the beginning, after the (amazing) selection of pastries and coffee had been consumed various companies asked for our thoughts/ideas/help on the digital problems they were having and then we would think about solutions throughout the day, whilst going to workshops and presenations etc.
Fair play to the companies - this is exactly the right sort of event for asking that question. A lot of curious, innovative digital minds are bound to come up with something. True enough there was collaboration, coding, brainstorming, the works. It was great. Some organisations were more structured than others in how they wanted the ideas presented at the end and the household name TV company that I had opted to helpjust requested I dropped them an email.
So I did my thing, came up with a pretty decent strategy, wrote it up as a powerpoint presentation and emailed it to them that day. Then nothing. This is the last I heard from them:
And that was ok...except that they didn't.
I know that we were all there out of personal interest and a willingness to help, I get that, and I'm not expecting payment or anything. But I did hope for at least an acknowledgement of the trouble I'd gone to, and if they do use any of the ideas I'd quite like to be involved.
Is that too much to ask? With the world becoming seemingly more social and collaborative, I felt like this was an opportunity, but instead I'm left feeling a little cheated by the whole experience. Is this justified, or should I have just kept my ideas to myself and attended one of the weekday sessions instead? Thoughts are welcome...
Monday, 8 July 2013
Introducing 3D screen covers for the iPhone - EyeFly3D
EyeFly 3D is a (relatively) cheap screen protector for your smart phone, which, when applied, enables the viewer to see 3D effects on the screen without the need for glasses. A cool, simplistic, concept which will, in their words "transform your mobile device into your own portable 3D screen".
Tuesday, 21 May 2013
5 Tips on Content Marketing for Business
Monday, 20 May 2013
“Interesting”, you might say, “but how is this related to digital”? Well the video may appear to be about direct marketing but it raises some very pertinent questions for digital marketers too!
In the clip above, Target has achieved every marketers’ dream – being able to predict what the consumer would like to buy and when – in fact they've done this so accurately that it has actually worked against them in this case.
Digital marketers like to do this too and they have even more powerful tools at their fingertips. When a company sends a mass email out, unlike more traditional advertising and marketing methods, the company is able to track exactly which customer responded to which offers via click-through data.
They can observe the individual’s behaviour on their website: which pages they responded to, purcased from or shared via social networks; where on the site they spent the most time; and which page they finally left the website from.
Although most companies wouldn’t do this level of granular analysis on individual behaviours, companies with large volumes of traffic can begin (at the very least) to guage which campaigns are working, what messages work for which demographics and at what point they will buy, and to adapt their campaigns accordingly.
The recently released Sitecore 6 CMS allows website owners to tailor the content that is displayed according to previous activity - a powerful tool meaning those interested in a certain topic (i.e on a page or blog post about pets) can then be shown pet offers or taken to the pet offer page. This means websites can be much more targetted (if you forgive the pun!) and we will begin to see more and more companies using amassed historical user data to promote products which are increasingly relevant to the individual viewing the site.
Sunday, 19 May 2013
Moo Cards - the calling card of the Tech Professional. (Plus 10% off for Digilance readers!)
In 2008 I was working in Old Street. This was before the term 'Tech City' was coined, but it was still a hive of digital activity and tech start-ups and I'm sure I remember the phrase 'Silicon Roundabout' being bandied about. Back then I worked in a shared office with other digital types and I saw lots of funny little cards exchanging hands. These weren't the traditional size of business cards (how did those become globally standardised by the way? Who decided that? Must have been a ploy from someone who wanted to produce a business card holder...). These were small rectangles, which sort of reminded me of the space a tweet would occupy (yes, I was a Twitter addict even then!) and had the most wonderful selection of colourful images printed on them. Each one seemed to be different and personal to the techy type that proffered it.
When I enquired I was answered with great enthusiasm: "why they're mini Moo cards!", "We love Moo, great little company" and "Everyone in digital has them. In fact, I know people who won't take you seriously as a tech start-up if you have the old business cards!".
When I moved away from Old Street I didn't see many Moo cards and assumed they hadn't managed to go mainstream and move away from being a tech geek's calling card. But I did see the odd advert online which meant they must be ticking over ok...then one day recently I overheard someone in a non-digital setting comment "what cute little cards" and I knew the Moo card was back!
As I'm branching out into doing more freelance work, Moo were my fist point of call for cards. A natural choice and I'm glad to see they're doing so well. I ordered the cards pictured above (and a few other designs), and then (as Sod's Law would have it) discovered that attendees of Digital Shoreditch also get 100 free Moo cards. No problem though, I've ordered even more!
And, for my lovely digilance readers - a 10% discount off all Moo orders when you order via this link. Enjoy :)
Monday, 13 May 2013
Social Media Case Study - Twitter customer service
Friday, 10 May 2013
Stop. Yammer time!
Yammer is an "enterprise social network" which was acquired by Microsoft in summer 2012 and now forms part of thier Office 365 offering. It's an internal social network for businesses - similar in audience and tone to LinkedIn, as a communications platform for professionals - but with the added security of being limited solely to members of staff.
A 'company social media network' would never take off, would it?
A few years ago I wouldn't have been convinced by the need for a company social media platform. On a personal level, the social media sphere was somewhere I interacted with friends and was ocaisionally (and hopefully not intrusively) marketed to by businesses. It definitely wasn't somewhere I would interact with senior colleagues and nor did it need to be - emails and the company intranet would suffice. Companies' awkward failed attemps to set up company Facebook groups were a thing of ridicule not lauded as a great example of internal comms.
What has changed then? Well, on a personal level I think social media has become more pervasive in our lives, and the line between social networking and professional activity has become less well defined. What used to be a flat-out ban on social media usage in the workplace has in some companies become more relaxed and in others even encouraged.
Ok, how can Yammer be used by businesses?
Yammer's website claims it is used by more than 200 companies worldwide, including Shell, Xerox, CapGemini and Westfield. Employees use it for:
- Posting what they’re working on into the social space, to see if others they don't know are working on it too, or working towards similar goals.
- Crowd sourcing answers to problems or issues by asking questions and posting polls
- Sharing insights they’ve come across elsewhere to act as inspiration.
- Share successes in the hope they make work well for others.
It does sound quite useful, and also fun, but then obviously I'm quite a fan of social networks. Stop me before I start to Yammer on...(sorry!).
Wednesday, 8 May 2013
Could it be...a good example of a QR code? I'm as shocked as you are.
I'm normally pretty skeptical of QR codes. It's one of those digital fads which seems to have come out of nowhere, yet been embraced over-enthusiasticly by any company that wishes to appear cool and up-to-date.
The problem is, most companies don't seem to have grasped the basic requirements:
1. People need to be able to scan them with a phone
2. People will need internet access to connect to the page you are sending them to
This makes them wholly unsuitable for, say, an advert on the underground which regularly disappears behind a train, or a motorway hoarding. Some uses just seem absurd. There's no way I'm getting my phone out to scan a bananna (more of these ones on wtfqrcodes.com)!
The QR code above, however, makes a bit more sense. The bit of card which allows me to remove a tabag already has a practical use, is branded on the other side, and therefore has a small square space which would otherwise be blank. Whilst you could try to write something on there, or stick a URL or Twitter handle, I think a QR code isn't a bad call really. If making a cuppa at home, you probably have time to investigate or if you have a takeaway tea like I did from Waitrose, it's an interesting 2 minute activity while drinking it (yes I still did feel a little silly scanning my tea, but pretended I was texting and hoped no-one noticed!).
The link goes through to a page about their tea selection, which is fine, but for me it would have been more appealing if it had some sort of gamification element, such as an offer, or hidden page that only the teabag QR code took me to. Nevertheless, I think Twinings should still be applauded as a case study for a good practical use of the QR code, where so many others are failing miserably to do so.
Monday, 25 February 2013
Don't 'get' social media yet? Next!
Many brands are afraid of social media as they fear the reprisals of unhappy customers. There is an argument that you have to sort out your service before you 'go social' but however good you are, there will always be someone who has been on the unfortunate end of a human error and has cause to complain.
The social media 'secret' here is not to avoid it - but apologise, genuinely, and offer to make ammends. All this should be done publicly and may result not only in a happy customer but in an audience who admire your customer service. Turn the situation around to your advantage.
This is clearly something Next's social media experts weren't keen on recently though, or perhaps their digital agency's weekend cover isn't that strong. Whatever the reason, it wasn't advisable for Next to post the following, when a customer swore about their delivery service:
Wednesday, 20 February 2013
What will happen to the Pope's Twitter account?
A mere couple of months earlier, the Pope had joined Twitter, and gained over 70,000 vast amount of followers in mere hours, even before he had started tweeting. @pontifex, as the account is called, tweets religious statements and reflections and has posted 36 tweets to date.
But what made the Pope decide to join Twitter in the first place? Was it pressure from some sort of Catholic PR machine? A statement from the Vatican said
'The Pope's presence on Twitter is a concrete expression of his conviction that the Church must be present in the digital arena'
so perhaps the initiative was driven by his holiness afterall. The Pope's resignation, however, has been markedly absent from his feed and he has posted tweets about Lent since the announcement.
But the big question is - as with all temporary offices - what will happen to the Twitter account when he has left? Although the law may be yet to fully catch up with this, Twitter accounts are generally regarded as the property of the person that is named in the handle and whose email address is linked to it. If it is an official account run on behalf of a company it is the property of the organisation who employs the individual.
Some companies are become more and more savvy about this, with contractual clauses governing the retention of the accounts - meaning that any followers accrued are the 'contacts' of the company and cannot be 'poached' (or taken with) an individual when they leave.
In politics this can cause issues, for example the @MayorOfLondon account, and all it's 630,000+ Boris fans will all become property of the next mayor if Boris loses an election, as he has a role-related handle rather than a personal one.
For the Pope I suspect that the same will be the case. @pontifex (and also the 8 different language versions of the account) refers to his role rather than Pope Benedict as an individual, so it belongs to the Vatican and eventually the next Pope. Not that Benedict will mind I'm sure (some reckon it was Social Media that made him feel too old for the post in the first place!), but will the next Pope want to continue the tweeting?
A new Pope will undoubtedly be younger, as the Vatican will seek to prevent any more resignations and stay 'in touch' with the younger church, so I'd predict he will want to carry on tweeting. Watch this (140 character) space!
Wednesday, 2 January 2013
MeatPack 'Hijack' campaign - location-based win, or near miss?
First post of the 2013 is inspired by this article on Econsultancy, which spotted a location-based campaign by a Guatemalan shoe store Meat Pack. The idea behind it is that you download an add-on to its existing loyalty app called ‘Hijack’ which then rewards customers by giving them an innovative way to earn a discount.
As the Econsultacy write up puts it:
"Every time one of the ‘Sneakerheads’ entered competitor store the GPS function showed them a countdown timer and an offer for money off shoes.
The discount started at 99% off and reduced by 1% for every second that passed. The timer stopped when the user reached a Meat Pack store.
More than 600 shoppers were hijacked from the competitors within a week, with one of them getting 89% off his new trainers."
Brilliant idea. Tempt customers away at the point of purchase, with a better offer from your rival store. The countdown timer not only means there's a sense of urgency, but introduces gamification, making the experience fun.
But there's one big problem. The app is an add-on for people who already have the loyalty app. This means they are already loyal shoppers and would have bought from Meat Pack anyway. What's to say that he die-hard "sneakerheads" have not got wind of this discount and gone to a rival store purely so they can then race back to meat pack and get a discount? (If you can't imagine this happening, just picture the scene if apple had run a similar promotion - half the offices in Old Street would be empty as employees raced between Currys and the Apple store, anxiously looking at thier iPhones...).
Ideally for maximum 'conversion', Meat Pack should instead try to target people who are not already loyal customers. There's not an obvious way to do this - even push notifications would require an app - but perhaps if they created an app that less obviously branded and just for the 'Sneaker Fan' it would be a way to get the all-important new customer. Check-ins are another opportunity and if they could somehow harness the Facebook or Foursquare check-in and run the promotion to target these, I think they'd be on to a winner. In conclusion - great idea but not quite there yet!
Monday, 5 November 2012
Digital technologies in retail: House of Fraser 'online concept store'
Retail is always keen to harness new technologies in order to sell more. While for some companies this just means an e-commerce branch of their real-world shop, the real cutting edge innovations are occurring where retailers try to combine the two.
Tesco made the headlines last year for it's innovative tube station virtual shop in Korea, where customers could scan images of products on a giant billboard using their smartphones and add them to an online shopping list. As well as being a media grabbing gimmick, the idea also appeals to the time-poor communter who wants to make use of the frustrating time spent waiting on the platform (although something gives me the impression that train services are pretty regular in Korea!).
Although we are clearly light-years behind this level of innovation in the uk - widespread wifi on the underground would be a start - there ars till some companies who are looking to merge the physical store with the virtual. House of Fraser has been steering its attention towards digital, yet professes no desire to reduce the number of stores. Instead they have opened two 'concept stores' with display-only merchandise and portals from which to browse and buy online.
I'm not quite sure I understand what they're offering here. If my order (that I've already placed elsewhere) is lost, late or unsuitable, I want to talk to customer services, not go to a room full of computers. The same with a refund. Finally, if an item hasn't arrived I'm not sure how they will "take care of it" if they don't house any physical stock.Here’s why; the store has been designed around a hotel concierge experience, so help with a lost order, a late delivery or an unsuitable item will be instant – and personal.
If something doesn’t suit, get a refund there and then, if an order hasn’t arrived, the store will take care of it. Plus there’s a complimentary coffee bar, which of course you won’t get at home.
The coffee bar sounds nice I must admit, but other than that it seems House of Fraser have created a bizarre hybrid between a customer services desk and an internet café!
However if, rather than a place for online shopping, what does emerge is a dedicated team that understand online orders, can track them and resolve any issues, and be an in-person point of call for online customers needing help, then that's a really positive development. This is something frustratingly absent from ecommerce as a whole - the only options are an email address, a call centre, or a Twitter account that will direct you back to either of the above in a friendly tone of voice. This usually just leads to elongated miscommunications and an ongoing saga of order numbers and non-returned calls.
When online orders go wrong there is all manner of heartache trying to to sort them out, but I for one would be very happy to incorporate speaking to a specialist e-commerce adviser into my next trip to the High Street and maybe even be supplied with the product which was absent from in my late/lost/missing delivery. We seem to be getting closer to this, but for now it will remain wishful thinking...
Tuesday, 23 October 2012
LinkedIn endorsements
There was initially also a box featuring many of my contacts, and asking if I would 'endorse' certain skills for them, but this seems to have now gone. To endorse people now I can click the plus button at the side of thier professed skill when on their profile (this can apparently also be undone if necessary!).
It all seems very simple so far and because the skills are sorted from top to bottom by how many people have 'endorsed' them, it may be an attempt to counter the claims that many LinkedIn profiles are fabricated.
But does a one-click endorsement really have any value? There is the option to hover over the endorser to see their details and click through, but you can't see their relationship with the person they are endorsing.
From a first look I think it's a good way to highlight individual skills and abilities but it isn't as strong as a personal recommendation - there is no way to expand on the 'endorsement' and say why or how they are good at this skill or give any annecotes. It would also be a shame if strengths lay unrecognised at the bottom because no-one who has experienced your skills in that area is on LinkedIn for example, so we may see people working harder to gain endorsements for skills that are important to them.
What do you think? As a recruiter or employer would you trust an endorsement? Are you busy endorsing contacts?
Monday, 1 October 2012
LinkedIn Recommendations - online endorsement pitfalls
When used properly, LinkedIn recommendations are a powerful tool for advancing your career but if you don't use them with care they can give a negative impression about you, your contacts and the company you work for. It's helpful to think of them as a 'reference' from a previous or current employer, but they're not exactly the same, so below are some things to think about.
Consider carefully who you ask. Offline, a great reference might come from someone well respected within the industry and their endorsement of you would add something extra to your application. This is no different on LinkedIn - do not just ask your friends to do it! Before requesting a recommendation ask yourself the following questions of the individual:
- Does he/she have an established LinkedIn account with lots of connections? (it may be assumed that a new account is fake)
- Is it obvious that you know the individual in a professional capacity? (avoid anyone with the same surname for example!)
- Is this person your junior? (If you want to highlight your management skills, you may ask for a reference from someone who has previously worked under you. Note that a reference from someone currently working under you may have the opposite effect, as it shows you have put your junior in an awkward situation!)
- Have you already recommended this individual? Reciprocal recommendations do not look genuine!
You should also consider the impression this gives within your current position:
- Most HR teams and management are aware that individuals updating their LinkedIn profiles may well be looking to move
- Colleagues may wonder why you want a recommendation from them and it may indicate you feel insecure in your position.
- Business development roles can be the exception to the rule - if the company employs you to find new business through LinkedIn they won't be suspicious if you are trying to improve the credentials on your profile!
Even so, a good recommendation from the right person at the right time may well mean you are considered for a role, so follow the guidelines and don't be afraid to get recommended. I'll blog more about 'Endorsements' when they become available to U.K users - watch this space!
Tuesday, 18 September 2012
Social Media Tips 2 - Tweetdeck Pros & Cons
TweetDeck is twitter’s own twitter ‘client’ - a program which acts independently of the website itself, yet pulls in twitter content and allows you to interact with it. It also acts as a sort of social media dashboard for other platforms such as Facebook, allowing you to view aspects of all your accounts at a glance and post across them all simultaneously.
It is a popular social media management tool for companies, agencies, community managers, or even just individuals with many social media accounts. There are many benefits of the platform, but it isn't for everyone, so I have summarised the key points below:
Pros
- Notification pop ups - you can adjust settings so that Tweetdeck will run in the background but still alert you via a pop up window when your brand is mentioned.
- Scheduling facility - this function allows you to ‘schedule’ a tweet, which will post automatically at a set point in the future, so you needn't worry about missing optimal times to tweet.
- Customisable - its quick to set up customised columns within the 'deck' layout. You can then create a 'control panel' with columns displaying search terms, mentions, messages etc. how you would like them.
- Relatively easy to use - support documents and video tutorials exist and because Tweetdeck has been around for a few years there are plenty of free tutorials and articles online.
- Speed - whilst generally quite fast the Tweetdeck platform can slow down when dealing with large volumes of tweets, which can make it harder to monitor multiple search terms in real-time.
- Installed locally - Tweetdeck has to be installed locally on your machine, meaning all functons (including scheduled tweets) cannot work unless Tweetdeck is actually open and running on your computer. Not ideal for those 4am tweets to your followers overseas!
- No analytics - Tweetdeck has no inbuilt analysis package, meaning that to analyse the success of your social efforts you will need another application. This is a big negative point for Tweetdeck as most users not prefer the simplicity of being able to create and analyse posts from within one platform.
Thursday, 30 August 2012
How to be a good client: 5 tips for working with digital agencies
"It will cost how much?"
"really? It would take a fortnight?
This attitude isn't helpful, as in some cases an agency is often the best and cheapest option. It's a shame to let a lack of understanding - by both parties - get in the way of what could be a really exciting project with great results, so here are my top 5 tips for working with agencies:
1. Pick the right one - it may sound simple but think hard about who you want to do the work. It will cost you time and money to hire another agency to unpick and redo a botched job. Let many agencies pitch, but don't be bullied into giving the contract to the agency with the most persistent Account Manager or Business Development guy. Mutual trust and respect is key here and you can tell a lot about their attitude to a project by initial conversations. Go with an agency that listens to your requirements from the outset, but also one who can contribute and build on your own ideas - it is this expertise and added value that you are paying for.
2. Write a good brief - even the best agencies aren't psychic and digital projects can be an especially tricky to verbalise if you're not at home discussing technology. If the end result is nothing like what you had envisaged, the chances are you haven't conveyed your ideas properly so it's worth taking the time to explain in writing (and face-to-face if possible) exactly what your aims are at the beginning. Clearly stating your desired message and target audience, your expectations and (at the risk of sounding wanky) 'what success looks like'. Don't be afraid to tell the agency how you expect this project to make you money!
Monday, 6 August 2012
Menshn'd in Despatches
I'd thought about doing a post on Menshn back in June when it launched, but at the time the new social network - created by Louise Mensch - was only available to people living in the U.S.
The network was set up by the (then) Conservative MP, with the aim of filtering out the 'noise' found on Twitter and focussing debate around selected topics. Louise Mensch has now resigned from her seat in Corby and East Northamptonshire to spend more time with her family. Good for her - every woman makes tough choices about parenthood and I wholeheartedly support a woman's decision to bring up her children how she sees fit.
What does concern me, however, is the suggestion raised in this article that she might use this time to work on her new social networking business.
This should be another 'good for her' moment, surely? Women in business - yeehaa! But the problem is, I really don't like the concept of the network. It's based on the premise that there is a lot of 'noise' on Twitter, tweets that Mensch thinks aren't sticking to the point and therefore shouldn't be heard.
Her ideal would be to keep the discussion slick and filter out anything off topic, which (she has been keen to point out) would also create the perfect engaged environment for advertisers and marketers. Sometimes that does seem very tempting. I agree it can be infuriating trying to make a point and that point hitting a wall of spam and trolls.
But surely the point of Twitter is that it's democratic? Everyone has a voice and everyone is free to listen to (or follow) whoever they choose. If you take away the destractions, the random input, the humour, you lose some of the beauty of Twitter and a lot of the character.
There are already a lot of constrained discussion forums on the internet and none of them are as popular as Twitter, possibly because they lack the human factor. It's that very human factor that is keeping the less talented advertisers and marketers at arm's length, because they fear the openness, transparency and freedom of speech that are the common currency of the Twitter crowd.
Just like a clued-up live audience, Tweeters have the capacity to praise the skilful and heckle the inept into submission, getting right to the heart of the matter. If you silence the 'off topic' jibes or the seemingly irrelevant comments, you risk missing something that will take the discussion to a whole new level or alienating a would-be supporter.
Perhaps the answer lies not in focussing the discussion, but focussing the interactions. Giving people more ways to find and follow people and conversations that might interest them. Maybe providing more more ways to avoid those that won't. I wish Mrs. Mensch all the best, but unless she addresses the issues above, I can't really see her network being a rival to Twitter. If it does succeed of course, I'll be sure to Menshn it here ;)
Tuesday, 24 July 2012
The Foursquare Special
With 20 million users worldwide (although probably only a portion active), Foursquare is a popular geo-social network, and brands look to make the most of this. When the network first became popular 'specials' were quite common. These offers were created and managed by brands and venue owners to try and attract custom, and were free to the promoter.
I have seen less of these offers in the last year or so - perhaps indicating that they weren't particularly effective in terms of RI - however this collaboration between Amex and EAT caught my eye.
Check in to Eat, pay £5 and you get £5 credit! Sounds good doesn't it?
Unfortunately I think it's another case of 'no such thing as a free lunch'. I think the offer is a bad idea, for both brand and customer, for two main reasons:
User Experience: The process requires you to 'synch' your Amex card. Forms (which will probably be filled in on a smartphone due to the nature of Foursquare meaning you are on the go), and handing over credit card details. Everyone knows this is a big turn off for the online customer, and will likely put off the majority of punters.
The process was also pretty clunky, having to synch, then check in to EAT, then use your amex to pay in EAT, then click load or something (I had lost interest by this point).
Proposition: Let's think about what the customer is actually doing here, and also take a look at the small print. You are paying for your lunch with a credit card. I personally don't usually do this. I will get out cash or pay with a debit card, but to me credit is something to be used in emergencies, or when I need protection guaranteed for a large online purchase. The small print says 'credit is usually issued 3-5 business days, may take up to two billing periods'.
So let's get this straight. We owe Amex £5 for up to 2 months, before our balance is restored. If just 1% of Foursquare users took up this offer, that would be a credit card debt of £1,000,000. Perhaps I'm being too cautious about this, but considering how we got into the current economic climate should we really be encouraging the 'stick it on the credit card' culture? Why not just pay with a fiver from the cashpoint? I think Amex and EAT got this one wrong to be honest...










