Black Friday: Consumer psychology of grabbing a bargain

This year, online sales over the 24-hour Black Friday period are expected to surpass £1bn for the first time in UK history (last year they were £810m). £3.5bn in sales are expected over the whole weekend. For retailers, Black Friday is a huge sales opportunity but also creates pressure to keep up with the Joneses and discount items to an uncomfortable level. Combine this with the instore chaos we saw in the UK last year and it’s a pretty crazy time!

For Americans, Black Friday symbolises the start of the Christmas holiday shopping season. They take the Friday after Thanksgiving off from work, taking advantage of the long weekend to start their Christmas shopping.

Although Black Friday is still not very popular in Europe, in the UK it has very quickly become the biggest shopping day of the year, even beating Boxing Day.

The figures speak for themselves…

In 2014, UK consumers spent £810m online on Black Friday and they are expected to spend even more this year. According to IMRG & Experian, online sales will reach £1.07bn. If that prediction is correct, online sales will reach a record in the UK’s online retailing history, exceeding for the first time £1bn in just 24 hours.

The Centre for Retail Research estimates that in total (combining online and in store shopping) British people will spend £1.39Bn in just one day, this is 32% more than the previous year.

Black Friday Sales

Telegraph, 23 November 2015.

Who are Black Friday Shoppers?

First of all, let’s understand who are Black Friday typical shoppers: (IMRG 21 October 2015,

  • Typically families with children
  • Aged between 35-55
  • Living in suburban or residential locations; they don’t have easy access to shops
  • Facebook users
  • Regular consumers of content on mobile devices

Compare this with Boxing Day shoppers who are more likely to be younger and live in urban city centres.

Their demographic profile has important implications for retailers. For example, considering that the most Black Friday shoppers don’t live in the city centre and don’t have easy access to shops, attention should be put in to planning and optimising the delivery service or in communicating details about deals, coupons, opening times, etc, through social media, to enable costumers to plan and organise their shopping.

How are Black Friday customers shopping?

(Simpson L., Taylor L., O’Rourke K. and Shaw K. (2011). An Analysis of Consumer Behaviour on Black Friday, American International Journal of Contemporary Research, Vol. 1 No.1)

  • They already have a specific product in mind
  • They buy particularly electronic media items
  • More willing to buy gift items rather then items for themselves

This year, consumers will be even more aware about the convenience of buying on Black Friday and shops will be even more crowded than last year, lines outside will be longer and tension will grow faster among the more competitive ones.

Last year, Black Friday was definitely a success, but retailers weren’t ready to deal with, quite frankly, the chaos that ensued amongst consumers, to the point that some of them have decided not to take part again this year. One of the most surprising retailers not taking part this year is American owned Asda, who will instead offer discounts spread across November and December.

Daily Mail, 28 November 2014, Manchester.


Why is Black Friday more aggressive than other UK sales days

Last year, the situation got so chaotic that Telegraph renamed the day as “The Black and Blue Friday”. People queued in the cold outside shops for hours, then running and fighting their way to the product they wanted. But it’s not like this on Boxing Day or any other sale day in the UK…

So, what’s transformed the decent and respectable UK shopper into a merciless shopping, fighting machine?  Frustration can be a reasonable answer.

A lot of psychologists tried to find explanations and causes of aggressive behaviours and the Frustration-Aggression Theory (Dollard, Neal, Miller, at al. 1939; Berkowitz, 1969) is one of the hypothesis proposed to explain the phenomenon. The authors support the idea that when people perceive that they are being prevented from achieving a goal, their frustration is likely to turn to aggression and violence. The closer you get to a goal, the greater the excitement and expectation and consequently the more frustrated you get by being stopped.

The theory doesn’t suggest that frustration always lead to aggression, but in some particular circumstances can boost aggressive behaviours.

Black Friday might be one of those above mentioned circumstances.

Sales psychology: Why sales drive shoppers

Psychologists say that the allure of a bargain speaks to our human nature. Limited-time offers and last chance buys trigger the fear of scarcity and Fear of loss that drive us to buy. It makes us buy things we don’t really need, simply because we might not have the opportunity to buy them so cheaply again. IT’s how you end up with boxes of shoes in the cupboard that you never wear but you thought were an absolute bargain at the time you bought them with 70% off!

“People truly want to get a good deal, and so they might be less rational… when they can look in the environment and find different cues that make them think they’re getting a good deal, the decision-making is emotional” Kenneth Manning, professor at Colorado State University.

Did you know that sales drive our competitive spirit? We want to tell other about the great deal we got and we hope ours was better than theirs (even if we didn’t really need the item in the first place!). People treat it as a personal accomplishment to boast about.

Sales also have a positive affect our brain chemistry. In 2007, Stanford researchers discovered that when subjects shopping for clothes saw a sale price, the brain’s pleasure centre lit up. Sales, in other words, make us happy.

The sales environment also triggers consumers to part with their cash: “We are classically conditioned to hear this music, see these lights, even the experience of the shorter days and associate it with spending and shopping,” says Dr. Ramani Durvasula, a licensed clinical psychologist

So, be ready, 2015 Black Friday is just around the corner (27th November) and we hope and wish will be a good one, for both shoppers and retailers!

Do you like the #twitterheart? or should @Twitter #BringBackTheStar?

A few days ago, the new Twitter CEO took the brave decision to change the ‘star-shaped’ favourite button (one of the Twitter’s most popular features) with a heart, which is in the companies opinion, a more universal and expressive symbol.  However, he seems to have missed a very important point: more expressive for who?

Following the decision a virtual riot arose, particularly among the most loyal twitter users.

As often happens online, features and symbols like stars, hearts or emoticons fill the lack of a physical and tangible interaction, which are crucial for users in order to properly express themselves.

Each social network has different features and characteristics and attracts a different kind of user with different aims and purpose. Social networks are sort of ‘clans’, with different rules and habits, and users choose to become members of one rather than another because of those differences.  For twitter users, the star was one of those differences that made the social network unique.
twitter1And as it happens, amongst members of the Twitter clan, they developed a shared ‘meanings code’, a sort of distinctive mark that concurs they are feeling part of the same community.  The star was part of the code and users are complaining because they want it back.

What did the star-shaped favourite button mean for users?

Originally, the star was meant as a feature to ‘favourite’ other users tweets, but with the passing of the time, people assigned it various different meanings and uses.

It wasn’t just a simple favourite for users, it has also become for the most, a bookmark for interesting or captivating tweets that users haven’t the time to read immediately, a “this could be interesting and I’ll read it later”.  The star also meant “I favourite your tweet, but I don’t like it enough to retweet it”.

Moreover, users used the star for acknowledging that they’ve read someone else’s tweet in the absence of comments.

It happened in a similar way with the hashtag, in that users introduced it for the first time and then Twitter adopted it.  Users have generated their own meaning and interpretation of a feature,  generating a different direction than what was originally meant by the designers.

Why are habitual Twitter users so strongly against the new ‘heart-shaped’ like button?

First of all, as already said, users on Twitter don’t need a specific feature for liking a tweet; if they really like something, they will retweet it. Secondly, in the users’ mind, the heart-symbol is more related to an emotional and intimate sphere that doesn’t fit a platform like Twitter, but rather a social network like Instagram, where users tend to share more personal images. Thirdly, people don’t like change. Change is stressful, people love their habits, the safety and ease of their routine and they struggle to accept novelties.

twitter2 twitter3 twitter4Why do Twitter users feel so lost?

The Twitter CEO’s choice, made to encourage a warm and easy welcome to new users that could struggle to understand the meaning of the ‘star feature’, is threatening the loyalty of the existing users.

In ‘real life’ the context is crucial in order to understand and evaluate a situation. If you think about it, your behaviour is modulated by the context in which you are interacting with someone; for example, you will use a different tone of voice or type of language when talking with someone in a church compared to a pub, because you can tell from the context how  to behave and adapt in a socially acceptable way.

In the ‘virtual life’ the only clue that you can catch from the digital context is the structure and the features of a website, an app, or in this case, a social network.

The star-shaped button has been fundamental in defining the ‘mood’ of interactions on Twitter; and now users feel lost, they don’t know how to behave, and above all they are concerned they will be misunderstood.

The meaning of a symbol can’t be considered outside the context in which it is immersed, particularly online where the context is ephemeral and intangible and the design is the only clue that can tell users how to behave.

Moreover, in the online environment, the meaning of symbols and features is generated directly from the interaction between users and from the use that people make of them; there are no universal meanings, not even in the global universe of the Internet.

For this, in online contexts, it is crucial to give up any kind of assumptions and strictly observe the users experience, because designers create layouts, but users give them sense.


Starbucks in Italy? An Italian customer experience perspective

Italian Starbucks

Starbucks is coming to Italy in February. You might think this isn’t a big deal but for the Italian market it really is! Italian’s are precious about their coffee and their drinking habits differ greatly to those of the US and UK. The whole customer experience is different, which is why the opening of Starbucks in Italy is so controversial…

First of all, it’s interesting to know that Starbucks has an ancient bond with Italy; originally, Starbucks sold only coffee beans, but after a journey to Italy, the owner had the idea to recreate and export “caffetteria-style shops”.

Italian coffee drinking behaviour

From an Italian point of view (Yes, I’m Italian), coffee is not just a drink: it’s a ritual, a chit chat with the barista, it’s the best end after a good meal, it’s the perfect “good morning”, it’s a pleasant and quick break, but above all, it has to be short, black, bitter and served in a small ceramic cup (very hot).

Typically, an Italian will enter the coffee shop, simply ask for a coffee (which is an espresso – this is the standard drink), stand up at the counter, drink the coffee which takes just a few minutes, then leave.

You can see that both the drink and the behaviour differ a lot from the typical Starbucks experience.

In this scenario, will Italian consumers appreciate Starbucks Americano, Latte or Frapuccino? Will they buy coffee served in the famous cardboard cup? How will they reply to the renowned question “stay in or takeaway”?

In Naples, the south of Italy, the “coffee ritual” is even stronger than in the north. There’s a popular tradition called “caffè sospeso”, literally translated as “pending coffee”. It’s rooted into the Naples’ working-class culture, and basically consists of having an espresso but paying for two, leaving one on the counter, ready for the next costumer, as a symbol of good luck and an act of “charity”.

Will the Italian consumers pay for a “frappucino sospeso” or a “pending latte”? What will happen?

Image taken from “La banda degli onesti”. Totò, a famous Italian comedian and actor, drinking a coffee at the counter.

Italy’s La Stampa newspaper wrote: “We thought we had everything in Italy, but it turns out we lacked one thing: American coffee”.

Coffee for Italians is part of their culture, their behaviour, a national identity and habit; and Starbucks knows it. Even more important, Starbucks have had to really know Italian customers before making the decision to open a branch in Italy. It’s no coincidence that the first Italian Starbucks will open in Milan, the most international city in Italy, heart of Italian business, fashion and a highly multicultural centre.

What are the opportunities and potential barriers of having Starbucks in Italy?

The opportunities

  • The company announced that they will promote Starbucks as a place for business meetings as well as a cozy spot where to relax; an intimate coffee shop in the heart of the business area of Milan, where you can work or sip a coffee with friends.
  • Free WIFI will be the main attraction for Italian customers. There aren’t many places in Milan where you can find free and fast WIFI.
  • A hi-tech + coffee formula. Technology will be the key differentiator for Italian Starbucks. Along with free WIFI, customers will have access to a “Starbucks digital network” streaming movies and tv shows.

Potential barriers

  • Deeply rooted coffee culture. Italian customers have a strong bond with their habits, particularly when it comes to coffee and food.
  • There are thousands of coffee shops, bars and ‘caffetterias’ in Milan where you can enjoy a high quality espresso with a snack (biscuits or a pastry) and where you can simply read a newspaper with a good cappuccino.
  • Starbucks is expensive compared to the Italian coffee prices. In Italy, one espresso costs 1€ or even less.
  • For most of the time, “having a coffee” for Italians, means having a quick break, standing up at the counter. Particularly in the afternoon or after lunch. It is not the long sit down break that is common in other countries.
  • It is not common for Italian business consumers to sit in a coffee shop and work on the laptop or meet in a public space.

A traditional bar-caffetteria in Milan – Bar Zucca. People drinking a coffee at the counter.

The “Starbucks Italian situation” is a great example of the importance of how understanding customers is crucial in order to offer an efficient and successful product.

Moving into the Italian market is a huge risk for Starbucks, however by first opening in Milan, they will be able to take advantage of the large tourist market. It is the least risky option for them and a gentle step into the Italian market to test their acceptance of the longer coffee drinking customer experience.

If you need to understand or test in other markets, we can help. Get in touch with Keep It Usable >

WINNER Keep It Usable: Best online/digital business in the North West

We’re very proud to announce that we’ve won the WIBA award for best online/digital business in the North West! WIBA stands for women in business awards and representing Keep It Usable was our founder, Lisa Duddington.

Award wiba

“I’m incredibly proud of Keep It Usable and everything we continue to achieve.

Right from the beginning, huge brands were trusting us with their projects and it’s testament to our knowledge, passion and skill.
As for women in business and male dominated industries? I say go for it! Yes I’m often the only woman in a room full of techy guys but it doesn’t bother me one bit, my opinion is respected because I know what I’m talking about and being a woman brings the advantage of seeing things a bit differently, especially in terms of the customer.”

We are now a finalist in the national wiba awards which will be held next month.

The photo below shows all the North West winners. Congratulations and best of luck to everyone!

An interview with Zappos

Alex Genov - Zappos

This month Keep It Usable spoke with Alex Genov who is Head of UX Research and Web Analytics at Zappos.

Alex shares with us some fascinating insights into the process they follow at Zappos, the research methods and UX tools they use, how they decide what to test with users vs what to MVT.

Alex also shares with us a conversion challenge his team faced and how they overcame it. We also learn about his background, what makes him tick and his top tips for you.

Hi Alex, could you tell us a little about yourself, your team and what you do for Zappos?

I am a customer research professional who applies his Social Psychology background and his passion for research, design, and innovation to the software industry. My professional goal is to help teams create remarkable products and services which make people’s lives easier and more enjoyable.

Currently I am leading UX Research and Web Analytics for the Zappos Family of Companies.  My work includes both hands-on research for all the Zappos online properties as well as mentoring and team development.

In previous positions, I was responsible for research and usability of the products and services for companies like TurboTax (Intuit), State Farm Insurance, and the Active Network.   I have over 15 years of relevant experience – 5 years of academic research and over 10 years of customer research in the software industry.  I received a PhD in Experimental Social Psychology from Clark University.   My areas of research include: defining and measuring emotions, individual differences, usability, and consumer segmentation.

During my academic career, I developed and taught college-level courses in Research Methods, Statistics, and Social Psychology.  I have numerous presentations at professional conferences, several publications in peer-reviewed journals, and several patent applications.

What process do you follow?

The research team is part of the larger UX team.  As a UX team we follow agile, cross-functional process which involves Design Thinking, rapid prototyping, concept testing, iterative and benchmark usability, and a variety of other methods along the creative and development product development journey.

How much research do you carry out with your users?

We do research along the full cycle of: problem definition —> idea generation —> interface design —> product release —> back to problem definition.

What types of research do you do and why?

We combine both qualitative and quantitative research methods.

Qualitative for idea generation and to understand the “why”

  • In-depth interviews
  • Home visits / Contextual inquiry
  • Iterative usability
  • Co-creation
  • Focus groups

Quantitative to understand the “what” and to quantify opportunities and issues

  • Surveys, including Market Segmentation
  • Choice-based conjoint studies
  • Data mining
  • A/B testing
  • Benchmark usability


Which UX tools do you and your team use?

  • Survey authoring tools
  • Sawtooth
  • Qualtrics
  • Remote usability via WebEx
  • Online card sorting
  • Optimal Sort
  • Analysis tools
  • SPSS
  • R
  • A/B testing – internal platform

How much A/B and MVT testing do you carry out?

Lots.  We do not release anything before A/B testing it.

How do you decide which changes you should research with users first vs which you should simply MVT?

In the idea generation stage and the concept development stage talking to customers and doing iterative research makes sense because it is cheap to start over and make changes until a good design is developed.

If the change has to do with actual customer behavior, we A/B test – actual behavior which ultimately leads to conversion is the best indicator of success.  Asking people what they would or would not do is silly.

Could you give an example of a conversion barrier or challenge you have faced and what steps you took to overcome it?

We discovered some legacy “error” messages we were surfacing to costumers.  Those were ominous-looking and had harsh and non-factual language, e.g. “Fix the following errors” when the customers had not done anything wrong.  We redesigned the messages to be much more helpful and even apologetic on our part.

What do you enjoy most about your work?

Continuing to learn about what makes people tick and how to create new experiences which positively affect the lives of millions of people.  Breaking barriers and silos between Marketing Research, User Research, Web Analytics, and so on.  Mentoring less experienced colleagues.

Could you share one of your top tips with our readers?

Break down barriers and silos between Marketing Research, User Research, Web Analytics, and so on.  Those are based on archaic organizational structures and make no sense from the point of view of the customer.

How just one word can change your conversion

How just one word can change your conversionLayout, images, colours, fonts are equally important in order to provide users with a pleasant online experience and increase the conversion rate of a website. The design of a website is crucial, but it’s not the only factor that we should take into consideration.

Users should be guided and helped in making a purchase decision on a website; they need to have enough information in order to make an informed decision and the navigation has to flow smoothly. But, is that enough?

Changing just one word can have a huge impact on your conversion rate.

Choosing the right way to say something is fundamental, particularly if the aim is to prompt users to take an action, like buying your products or creating an account.

Choosing the right word(s)

Unfortunately there is no universal answer or solutions.

Since words acquire meanings only when considered in context, knowing which words are better then others, means knowing the context, observing users moving and behaving in that context and constantly putting yourself in their shoes.

It is very important to keep testing, particularly in relation to CTA buttons, as shown in the following case studies.

Understanding your customer’s psychology, behaviour and intention is the secret to effective CTA copy.

Example: ‘Buy now’ vs ‘Shop now’ have a ‘Buy Now’ CTA button on their product pages. Some of the team thought that changing the wording to something less committal like ‘Shop Now’ might encourage greater click throughs. Others on the team thought the wording change could imply a longer purchase process. So they decided to test both variations to see which resulted in greater conversion.


Current CTA: ‘Buy now’. May imply a faster and shorter process to purchase.

Variation: ‘Shop now’.  May imply less commitment and therefore encourage more clicks.


17% more users clicked on ‘Buy Now’ rather than ‘Shop Now’.

The small variation in text had a huge impact on the final result. This represented a six-figure difference in the online sales of the product.


The next action is clearer with ‘Buy now’, it is very obvious that the user’s intention is to purchase. ‘Shop now’ could be mistaken for continuing to look at more shops, it is less specific regarding the action and more ambiguous.


Example: ‘Find a retailer’ vs ‘Where to Buy’ vs ‘Nearby Retailers’


Current CTA: ‘Find a retailer’. Concern that this may be mistaken for online retailers only.

Variation 1: ‘Where to buy’. The team felt this version was more direct and may imply less work for the visitor.

Variation 2: ‘Nearby retailer’. Related to a physical and geographical location and therefore may make it clearer that this indicates physical retail stores


4.1% more users clicked on ‘Nearby retailer’ compared to the two alternatives.


 The button more clearly indicates physical shops where the user can buy the product as it relates to a geographical location, while the others two options could be mistaken as solely relating to online stores.


How 2 Words Lifted Insound’s Checkout Funnel Conversion to 54%

Following the launch of a redesign, Insound found that conversion was underperforming. It was believed that this was due to the length of the checkout process and the vague wording throughout.


Current CTA: ‘Continue’. Logical description of the button, continues to the next step.

Variation 1: ‘Review order’. Describes what’s going on and reassures that the process is not completed yet, i.e. there’s still time to change your mind.

Variation 2: ‘Submit’. Based on the one-step check out process.

Variation 3: ‘Almost done’. Informs that the process is almost complete.


insound conversion


‘Review order’ was the winner with a 39.4% click rate.


It is explanatory and reassuring at the same time, clearly indicating to the user that they still have time to back out should they need to but also allows them to see an overview of their order and associated information to double check everything before proceeding.

As can be seen, small adjustments to your CTA copy can make a big difference conversion. It’s always worth testing alternatives to see which performs better.

Source of examples: Optimizely

Keep It Usable app featured in the papers

If you were sitting down with your coffee on Saturday morning, reading the papers, you may have spotted Keep It Usable. We were featured in an article about a fantastic health app called Clintouch, which has been developed by Manchester University. We are proud to have worked on the design of the user interfaces for this now award-winning app that has subsequently made an appearance at 10 Downing Street to inform the future of how digital technology can improve the nations health.

Clintouch is one of the first apps being prescribed by doctors to patients to aid early intervention. Currently prescribed to patients with psychosis, the app could ultimately save the NHS millions by enabling earlier treatment before a patient becomes seriously ill.

This groundbreaking app has subsequently gone on to win an innovation award and is currently being trialled in NHS trusts in the UK.

Independent research that we conducted with users of health and wellbeing apps showed that there is a great deal of distrust and disengagement with health apps (caused by the quality of apps in the marketplace at the moment). Users want trustworthy apps that are easy to use and will do what they claim to do. Clintouch is hopefully the first of many apps that bridge the gap between patient and doctor and make a real difference to both the NHS an people’s lives.

There is a great deal of scope for health and wellbeing apps to improve our lives, cut NHS costs and improve the relationships we have with our doctors. However, it is crucial that these apps are designed by professionals in collaboration with health experts so they actually work and have a high level of efficacy, otherwise they just join the thousands of health apps already in the app store that are downloaded and never used.

The privacy paradox and how you can use it to increase conversion

The privacy paradox and how you can use it to increase conversionIn the era of Web 2.0, privacy is not only one of the liveliest issues in the debate about consumers behaviour and individual rights, but also one of the most difficult one to solve. Companies want more customer data, customers say they dislike this, yet they freely provide personal data.

Nowadays, the border between private and public is becoming more and more blurred; people are used to sharing their pictures, videos, preferences, personal information, and everyday a huge amount of online data is collected, however, they still appear to be seriously concerned about their privacy and claim it to be an important factor in their online decision-making process. To make things even more complicated, concern about privacy doesn’t in fact match actual online behaviour.

The Privacy Paradox

The privacy paradox is the discrepancy between an individuals’ intentions to protect their privacy and how they actually behave in the online marketplace, it’s the relationship between individuals’ intentions to disclose personal information and their actual personal information disclosure behaviours, which are often very different.

According to several privacy-related studies, the online audience can be divided into three big categories:

1. Privacy fundamentalists: very privacy-oriented and concerned
2. Privacy unconcerned: not at all privacy-oriented
3. Privacy pragmatists: in-between the other two categories

In general, consumers appear to be much more sensitive about the use of their medical, financial, and family information than they are about their product, brand consumption or their media usage behaviour. Why is this? Because things like their medical, financial and family information, when disclosed, can cause potential embarrassment and security problems. People also fear loss of control of this type of information.

Conceptual Model of Disclosure

The conceptual model of disclosure is a theory that states the consumer’s behaviour is influenced by both their perceived risk of disclosing their information and the trust they have with the company.

Conceptual Model of Disclosure

Privacy Paradox Model

In reality, the consumer’s actual behaviour is more highly influenced by trust. This is why people disclose information even when they say they’re really concerned about their privacy.

Privacy Paradox Model

Figure 1 Norberg P., Horne D., and Horne D. 2007 The Privacy Paradox: Personal Information Disclosure Intentions versus Behaviors.

One of the problems is that people have a tendency to over-report their understanding of privacy issues and their willingness to act in order to protect them. There’s a disjoint between users attitudes and opinions and their actual behaviours and experiences online.

This was tested in an “e-commerce experiment” to understand how privacy indicators affect the users decision-making process.

Ecommerce test

Above: Screenshot from e-commerce experiment (Jensen C., Potts C., Jensen C. 2005 Privacy practices of Internet users: Self-report versus observed behavior).

They observed that consumers tend to disclose personal information more easily than they claim to do. What the research highlights is that users self-reported experiences don’t match with their actual online behaviour. What clearly emerged is the importance of “trust-marks” in the interaction between users and digital interfaces.
Trust-marks → factors which may not say anything about the site’s privacy practices, but which are interpreted as such by users.

Users appear to live a “double bind” relationship in dealing with privacy issues on digital interfaces, and this is affecting their decision-making process in purchasing online. The Double Bind theory (Bateson G. 1950) in psychology is defined as a conflicting communication dilemma in which the message doesn’t match with the observed behavior; that causes an emotionally distorted and frustrated reaction in the individual.

Tips to improve trust, acquire more data and lessen abandonment

Here follows some tips that could help interfaces designers in dealing with the paradox, avoiding frustration and consequent abandon in purchasing online.

Visible link to a privacy policy

It has a major effect on purchasing behavior, even though, according to the study, only a quarter of the policies were consulted. In most cases, users had more confidence in a site simply because it had a policy (the impact a policy has is of course more powerful when it is read, but it is not negligible when it is not). Policies are important, not just because of what they say, but because they are there.

Netflights Privacy Policy
• Credit card icons

Even if it does not in fact imply any promise of fraud prevention or privacy protection, consumers find these icons reassuring.

Netflights Credit Card Icons
• Show a contact phone number

Preference for phone information over mailing or email information. Consumers feel reassured to see a phone number to contact the company if any problems occur during the transaction.

Netflights Contact Info
• Development of policy simplifications and standardised indicators

Implement standardized, simple visual indicators for the risks users are exposed to.

It is interesting to note the strong effect policies have despite the fact that users rarely read them. Just having a link to a policy makes a difference. This indicates that in many cases it is the presence of a policy that has a positive effect on users, not its content. Users are looking for “trustworthiness”, not based only on fact but rather on appearance and first impression.

Keep It Usable app wins award and goes to 10 Downing Street

ClinTouch Mobile App

ClinTouch wins Outstanding Innovation award

Designed in collaboration with Keep It Usable, ClinTouch was recently the subject of a meeting hosted by David Cameron’s senior health policy advisor at 10 Downing Street, to consider the impact that digital technology could have in improving the nation’s health. ClinTouch is an easy to use app that provides an innovative new way of supporting people with psychosis, enabling early intervention and significant cost reductions for the NHS. This revolutionary digital intervention, developed by Manchester University empowers self-management for people with psychosis and reduces serious episodes occurring, improving the lives of individual patients and reducing NHS service costs, such as unplanned admissions and A&E presentations.

Significant cost savings for the NHS

Cost savings for the NHS are significant: Earlier intervention services in psychosis have the potential to save the NHS £119m over three years (Schizophrenia Commission Report). The ClinTouch mobile app is an end-to-end digital solution that improves communication and closes the information gap between patient and practitioner. This empowers service users to be more active in their care and recovery. This prevention is aided by utilising real-time data and alerting professionals of significant changes in their patient’s symptoms.


Rich data and analytics

Through the app, users are prompted to record their symptoms and feelings. A unique and bespoke branch of questions then follows ensuring that each question asked is relevant with a graphical bank of user-friendly analytics immediately available for the patient to consider and review. This digital data-log can then be used to help identify any lifestyle or environmental triggers that prompt the onset of symptoms. ClinTouch has been built into an end-to-end system in two NHS mental health Trusts, with summary data accessible at clinical team desktops and streamed into e-healthcare records. If early warning signs for relapse occur, healthcare professionals can act to enable early intervention.

Manchester University, Manchester City Council, NHS, Manchester Mental Health

A cash-less future? Insights from MoneyConf

Having just returned from MoneyConf, we’re feeling incredibly excited about the future of banking, currencies, payments and FinTech. The next 10 years will be a game changer for the banking and payments industries. It will also be a transformational time for consumers who will see the gradual disappearance of physical money, replaced with virtual wallets and mobile payments.

Banks – Innovate or fail

Banks Innovate or fail

However if you work in a bank, you may have more cause for concern than excitement. Where other industries are innovating, some banks have only just woken up to the importance of digital and many are already rapidly falling behind. It’s not surprising when you consider that their major sources of income are based on experiences that are poor for the customer. Yes there is a reason why they don’t warn you when you’re near to going into your overdraft or there’s a higher interest current account that they could switch you over to.

Figures from Harvard Business School predict that based on past statistics, only 8% of the banks around today will still be here in 10 years. Why? Because they will fail to innovate. Innovation doesn’t make the corporate agenda because in good times, ‘there’s no reason for innovation’ and in bad times ‘there’s no money for innovation’. New startups that are more focussed on building technology that helps customers and gives them a better experience will have increased adoption. If banks fail to innovate themselves, they’ll need to look to buying out some of the technology that startups are bringing to the table, or risk being left behind.

Financial services

Mobile will continue to grow

Mobile will continue to grow

However, customers still don’t trust mobile…

Customers still don't trust mobile

Need to focus on Omnichannel

Brands will need to focus even more on the whole customer journey across devices and the physical store.

Need to focus on Omnichannel

Virtual wallets are coming!

This is one we’ve been waiting for. No need to carry cash around with you anymore. No need to even carry cards with you anymore. Mobile payments have arrived and in 10 years time expect them to be fully mainstream. If you’re a purse manufacturer you may want to focus on handbags in the future!

Virtual wallets are coming!

The problem for merchants and consumers will be too much choice.

Too much choice

And customer education, as people aren’t familiar with wallets yet.

Customer education

Mobile payments using NFC

For physical retailers, the future of POS payments will be mobile payments using NFC to make the transaction quick and simple.

Mobile payments with NFC

Contactless payments have grown rapidly over the last few years, with massive growth last year that’s set to continue. With consumers growing used to this new behaviour (if you’re in London you’re even more familiar with contactless through your daily use of the tube) using NFC to pay via your mobile seems to be a natural next step. We can expect those technologies that work alongside the user’s existing learned behaviour to be adopted more quickly and potentially more successfully.

Contactless payments

Digital money is here

Bitcoin. Have you heard of it? Controversial but this digital currency could well be the future. Bitcoin was created in 2009 and behaves just as a physical currency does. It can be bought and sold, transferred to others, it can go up and down in value and it can be used to purchase goods. In the future, we may well be paying for things using Bitcoins.

How Bit coin Works

A cash-less future?

It looks like the future may well be one that doesn’t involve physical cash. Payments will be so easy to make virtually that we may find physical coins and notes gradually disappear. Future generations may only understand money in the form of digits. How do you feel about this?

With the increasing adoption of mobile wallets and mobile payments, we’ll also see the disappearance of card payments and with it, the need to own a wallet.

And beyond mobile payments, expect to see biometrics coming into effect. Can you imagine paying for your coffee using just a scan of your fingerprint? Or your eyes?

Will banks still exist or will peer 2 peer replace them? How will banks innovate to keep up with the rapid technology startups are bringing to the table?

One thing’s for sure, good user experience will prevail.