opinion

Steve Denby considers how lenders can do more for less in turbulent times.  What are the key questions should you be asking yourself and where should you be focusing your effort?

Nick Fuller responds to Alan Mitchell's overview of the shift in personal data usage which is currently underway.

Risk Management and Credit Control have climbed the priority list for operators in mature communications markets over the past few years.  As Steve Denby comments, there's greater consensus now on how to manage risk.

During tough times brands tend to redirect above the line marketing spend to below the line opportunities.  However, the unprecedented economic circumstances facing us today mean a sharp decline in marketing spend across the board; with only investment in digital rising.  It's therefore no surprise that retailers are looking to digital techniques to manage each customer interaction, and to optimise their marketing activity and every pound of their marketing spend.