I may be a lone voice, but...
Cloud IQ claims to be able to encourage people to spend 10 per cent more online, by throwing targeted ads and personalised emails at visitors to their clients’ websites.
Such behaviour is almost guaranteed to have me frothing at the mouth in anger; the last thing it will do is encourage me to spend more - it might even make me spend less with the offending organisation.
At the same time we hear almost daily about mounting concern at the increasing level of personal debt; it would be nice if someone devised a scheme that discouraged people from spending more, especially if they haven't actually got the money to spend in the first place.