Reference entries (15)
- research-notes Gaps: information-asymmetry decision-edge brief (June 2026) — designated next-pass research
- reference Caveats: information-asymmetry decision-edge brief (June 2026) — vendor-recycled magnitudes + modeled projections
- reference Tesco / Computing on dunnhumby sale — "Using CRM data from loyalty cards is now common practice rather than the unique differentiator that it once used to be"
- reference Quarantine: "5x-25x cheaper to retain," "5pct retention → 25-95pct profit," "80pct profits from 20pct customers," "AI churn → 20-30pct retention improvement" — vendor-recycled, untraced to primary
- reference Express Analytics / INFORMS — "data quality and availability can fundamentally undermine a model's reliability"
- reference INFORMS Analytics Magazine — churn modelled as binary classification on RFM / engagement signals (logistic regression / decision trees / ensembles)
- reference Progressive CIO Ray Voelker — Snapshot "given us access to segments of the auto insurance markets that we normally did not attract"
- reference Clubcard data-quality lesson — multiple users on one card produced false positives in mining (the "garbage in" warning from the best-documented winner)
- reference Tesco "Lifestyles" — behavioural segmentation system used to target Clubcard mailings (SS, weakest evidence in the targeting domain)
- reference Tesco Clubcard — operating cost estimated at ~£500m/year (the cost-side counterweight)
- reference dunnhumby co-founder Edwina Dunn — "over the next 10 years Clubcard and dunnhumby made an extra £60bn of sales" (DS, quarantine)
- reference Lord MacLaurin epigraph — "you know more about my customers after three months than I know after 30 years" (Tesco Clubcard, 1994)
- reference Tesco Clubcard — overtook Sainsbury's in 1995 within a year of launch; helped double grocery market share within ~3 years
- reference Tesco Clubcard 1994 trial — 9-14 stores over 3 months, >50 million transactions; dunnhumby analysed ~10pct sample
- research-notes Research notes (capture-layer): the affirmative, inward decision-edge case for data intelligence — information asymmetry applied to pricing, demand, risk, retention, targeting (June 2026)
