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User Research�Summary Report

Improving Council Tax Collection

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  • Background
  • Executive summary
  • Discovery research and findings
  • Alpha research and findings
  • Conclusion

Contents

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Background

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Background

North Lincolnshire Council signed up to the Local Digital Declaration committing the authority to contributing to the declared ambition of designing services that best meet the needs of citizens.

We constituted a new 3 member Service Design Team in 2020 to help drive our digital maturity ambitions and learning through exemplar projects separately from our IT transformation objectives.

We identified and prioritised potential exemplar projects that would help prove the value of service design, solve real world problems and deliver opportunities for learning through doing.

We conducted an inception workshop with key service stakeholders with support from our delivery partners dxw to shape a vision for the work and identify our top priority for delivery.

We commenced delivery of an exemplar project to improve Council Tax collection in July 2020.

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Background

This report focusses on the user research elements of the exemplar project although the broader programme of work with dxw included sharing of knowledge, methods, tools and templates and the values and methodologies of doing user research.

The exemplar project consisted of two phases of delivery:

  • a Discovery of three times two week sprints
  • an Alpha of four times two week sprints

We delivered the project entirely remotely during the pandemic and made use of the capabilities of the following products to deliver and record our work:

  • Microsoft Teams: Project group and secure project repository
  • Microsoft 365: Communication tools, Screener forms, plan management
  • Microsoft Office: Project documentation
  • Miro: Whiteboard for collaborative ceremonies, planning and analysis
  • GOV Notify: SMS and email communications

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Executive Summary

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Executive Summary

All findings are based upon user and stakeholder interviews within the discovery and alpha of a project to improve the collection of council tax at North Lincolnshire Council.

Our vision for the project was to

improve the timely collection of council tax and business rates, so that the council receives more tax at the right time - in year - and less people get into debt

Our goals for discovery were:

  • we have correct information about taxpayers and properties
  • people are getting the right discounts and exemptions
  • we collect more tax at the time it is owed
  • people get good advice and support at the right time
  • fewer people end up in debt and enforcement

Our research in discovery identified opportunities to improve in four areas:

  • for bill redesign using content design principles
  • for earlier communication in the right channels
  • to improve debt advice and budgeting support
  • to streamline advocacy and support for third parties

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Executive Summary

The focus of our alpha project was “earlier engagement and the right channel”.

Our vision and hypothesis for alpha were a service that supports and enables people to pay their council tax on time and that more people will pay if they are engaged early, on the right channel for them

We carried out a controlled SMS and email pilot using GOV.UK Notify to understand the impact of targeted and untargeted social media, SMS and text messaging on earlier engagement and considered wider opportunities to enhance service provision through more timely targeted intervention.

Through our research into alpha prototype messages we were able to draw some conclusions that we used to inform message (SMS and email) design.

  • everyone preferred the inclusion of first name, with most people feeling that it gave credibility, trust and confidence that it was not a mistake
  • strong preference towards a less "aggressive" tone
  • strong preference towards acknowledgement that it might be an error, rather than deliberate
  • clear need for contact details (especially phone number) to make it easier to act
  • some people are put off by links, so we thought it better to have it as the last thing
  • some people did mention that maybe links would be better in an email

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Discovery

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Discovery

We used an inception workshop based around dxw’s good questions to kick off a discovery to design our overall approach to research around our vision and outcomes for the discovery.

Our vision for the discovery work was

  • improve the timely collection of council tax and business rates, so that the council receives more tax at the right time - in year - and less people get into debt

Our outcomes for the discovery were:

  • we have correct information about taxpayers and properties
  • people are getting the right discounts and exemptions
  • we collect more tax at the time it is owed
  • people get good advice and support at the right time
  • fewer people end up in debt and enforcement

We spoke to users and stakeholders in discovery to

  • understand the end-to-end council tax approach, as it is now
  • understand the challenges and opportunities from the experience of tax payers and stakeholders 

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Discovery

Understand the end-to-end council tax approach, as it is now

We contacted members of the council tax team and conducted group and 1:1 remote interviews with:

  • Council tax officers (three)
  • Debt team officers (three)
  • Head of service
  • Business Improvement manager

We asked them to talk to us about

  • what their role / involvement was in the process?
  • what may be difficult or frustrating?
  • where’s the most effort spent?
  • what are the most common reasons people give for non or late payment?
  • if customers ever ask for a different way to pay?

We also conducted desktop research:

  • an analysis of bill reminders frequency
  • an analysis of recent bill reminder language changes (pandemic related)

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Discovery

We conducted group and 1:1 remote interviews with:

  • Comparator councils (three)
  • Stakeholder organisations
    • CAB
    • Housing associations (two)
    • Social worker
  • Council tax customers (eight)

We asked comparator councils to talk to us about

  • how their in year collection was going?
  • what they have done to influence collection rates?
  • what factors affect collection for them?
  • what they think of advice provision in their area?

Discovery

Understand the challenges and opportunities from the experience of tax-payers and stakeholders 

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Discovery

We asked stakeholder organisations to talk to us about

  • what their involvement is with people who pay council tax?
  • what leads to people not to pay on time?
  • what their experience is of people getting the right discounts and exemptions?
  • what support they may provide to people who pay council tax?

We asked customers to talk to us about

  • what was their experience of paying?
  • about their bill and if this was as expected?
  • how they may have accessed support in relation to paying?
  • what their thoughts on paying council tax were?

Discovery

Understand the challenges and opportunities from the experience of tax-payers and stakeholders 

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Discovery

We recruited participant organisations through service contacts and council tax customers through the councils residents panel. We screened respondents to prioritise conversations with households and residents who:

  • might get discounts and exemptions or receive benefits
  • have questions about their council tax bill
  • have had difficulties paying

We also wanted to speak to people across a range of demographics and who may have had lower literacy, or lower digital skills or access.

We learnt a number of lessons during recruitment of people who pay council tax for our research.

  • Information Governance approvals for external research took much longer than anticipated. Nervousness about talking directly to customers on a politically sensitive subject required extended assurance in an organisation with little experience of it.
  • more active involvement in direct recruitment through service contacts would have relieved the pressure from a busy service and resulted in a better mix of interviewees
  • COVID restrictions on how we recruited meant access to  a residents panel for research was invaluable. Some bias in selection was probably inevitable as such routes will likely select for time rich, tech savvy respondents when recruiting remotely.

Discovery

Understand the challenges and opportunities from the experience of tax-payers and stakeholders 

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What we found�from the Council Tax perspective

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Good advice and support is available to customers that call us, but they aren't always aware what help is available before they call

  • "some people don't even realise they're entitled to a 25% discount for being the only occupier"

  • "people haven't the foggiest they can spread it over 12 months"

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Telephone call and ‘processing’ are competing priorities 

  • "we need to spend less time on the telephone, because while we're on the phone we're not processing the backlog and you can see it physically going up, it's demoralising"

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Some customers don't know what they spend their money on

  • "the income and expenditure form gives them a chance to see where their money goes, because a lot of people haven't got a clue“

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  • There is a peak in people getting reminders at the start of the billing period
  • There is a smaller peak in people getting reminders in December

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An analysis of recent bill reminder language changes

The Covid-19 pandemic afforded an opportunity to accelerate plans to improve the way authorities communicate with Council Tax customer who do not pay. A revised suite of letters was created with advice from an expert in behavioural management.

The revised reminders did see a desirable increase in customer calls when they were initially implemented.

It may not be possible to quantify impacts and draw conclusions as there is too little data at this time and an it may not be possible to identify an effective comparator due to the impact of Covid-19.

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What we found�from the experience of users and stakeholders

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We heard about some positive experiences about the service

  • We found it hard to pay during the lockdown and they were able to agree a reduction on the phone; £25 a month doesn’t sound like a lot but it’s a weeks shopping for us

  • "It was really good; the discount was agreed there & then on the phone and we received a new bill shortly after “

  • “I was given 3 three months pause in starting to pay followed by 3 months with 50% off when my new build was completed before I was ready to move in“

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Some people aren’t always aware that Council Tax is a priority debt

  • "As long as it [CTax] gets paid it's alright in my eyes”

  • “I'd prioritise rent and utilities such as gas, electric and water over council tax”

  • “There’s nothing in the bill that conveys the importance or urgency of paying”

  • There’s an "urban myth" that some people don't pay and nothing happens”

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Some people don’t know that they may be eligible for some help with their bill

  • “I didn't realise you could spread the payments over 12 months“

  • “As a team of three they got £1.5m of benefits for their customers last year”

  • “We didn't think we'd be eligible“

  • “People don't realise they can claim some benefits whilst they're working”

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The customers we interviewed often found out about support through contact with non Council sources

  • “I found out that I may be able to get help from a chat with my landlord“

  • “I didn't know I might be eligible for SPD until my mum mentioned it to me“

  • “A colleague told me I could apply for 25% for living on my own”

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Some people don’t have the financial awareness and budgeting skills they need

  • “Everyone I speak with is already in debt

  • “People learn about budgeting from parents who often have debt problems themselves”

  • “Customers that receive [reminder] letters don't have a clue what to do”

  • “Customers are provided with step by step advice to takeaway”

  • “This is the first time I've had to do this, the army don’t help you with civvie life”

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Reminders sometimes do not result in the response from customer we would prefer

  • “You are not in a mindset of wanting to pay”

  • “After 3 months of getting them you "sack them off" and you don't open them”

  • “I've had a few reminders and they usually arrive just before I'm going to pay on 18th of the month”

  • “I made a genuine mistake and received a "nasty" letter; they were threatening to send the bailiffs round”

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Services and Organisations who support customers want a relationship with Council Tax that works to everyone's advantage

  • “We’d like to work in partnership with the council for the benefit of customer”

  • “I'm trying to get money back [to the council] at the end of the day”

  • Making arrangements with officers can be difficult as they want the customer present on the call

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People don't always know why Council Tax is paid, or how the money is used 

  • “Some people don't know why they have to pay“

  • "I don't understand why I should pay for rainwater been collected or having a garage“

  • "I feel I pay an awful lot of money for nothing”

  • "I used to read the information that came with the bill about how money is spent but this has reduced over time and I don't read it anymore”

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People's attitudes to paying Council Tax may be influenced by their access to, and use of, local amenities and council services

  • “We use the skips … We use the services … I use them all … I’m quite happy to pay”

  • “We have no amenities, no bus stop, no shops no nothing”

  • “I feel I pay an awful lot of money for nothing”

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We’ve heard interesting stories about how the use of data and technology has helped other councils to improve

  • “Sometimes we send a text message and then they pay“

  • “If a DD fails … send text message”

  • “Have added a facility to pay to texts that they can access without their account number. People don't know their account number”

  • “HMRC pilot … Has brought in £750k. Lot of big money came in as a result”

  • Choose the right information to make a decision about the right way to do debt recovery”

  • We're using Policy in Practice LIFT software to target the most vulnerable

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We heard from councils that CTSS may have some effect on collection rates, but there are wider contributing factors

  • “In 2013 CTR was 8.5%, now moved to 20% minimum, there was a big drop in collection rate"

  • “Virtually all council saw a massive increase in the number of Liability Orders they obtained… Increased from 7k to 14k per year virtually overnight. When we implemented it“

  • “You knock £2M off your CTSS you're £2M better off … Only if people pay it

  • 2013 UC also came in, which was a massive impact. Claimants on CTSS have reduced

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What we recommended�opportunities for Alpha

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Discovery

We synthesised our discovery findings from our interviews and desktop research to produce a coherent set of discovery findings.

We identified a series of insights concerning communications

  • new letters lead to better phone conversations
  • new letters are easier to understand and act on
  • council tax bills can be hard to understand and act on
  • SMS communications can be very effective for other councils
  • contact information for residents can be inaccurate

We identified a series of insights around advice and support

  • good advice given on the phone
  • good flexibility in payment plans for people who are engaging
  • tension between phone calls and processing
  • face to face advice is hard to get for people who need it
  • discounts and payment plans were suggested as solutions in a lot of calls we receive
  • people not getting advice from anything council supplied (e.g. bill or website)
  • it can be hard for 3rd parties to support people through the process

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Discovery

We identified a series of insights around managing the process

  • data led approaches are working well for other councils
  • councils have proactive approaches to managing workload
  • debt can become a problem when not tackled early
  • there is no obvious place for people to get budgeting advice

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Discovery

We co-designed a set of prioritised opportunities using knowledge and expertise across the team and service to produce a set of actionable opportunities to take forward to an Alpha.

We identified an opportunity for bill redesign using content design principles. We would research how other authorities have implemented custom design templates and identify authorities appetite for collaboration and current vendor appetite for flexibility.

We identified an opportunity for earlier communication in the right channels though an SMS and email pilot with target groups. The goal of the pilot would be to identify how SMS and email may increase engagement, what wider opportunities exist to enhance service provision, information accuracy and the technical capabilities of such a system.

We identified an opportunity to improve debt advice and budgeting support though community hubs, front line staff and other relevant channels though a common set of standards, tools and processes that encourage self responsibility and enable communities.

We identified an opportunity to streamline advocacy and support so that they work for third parties and customers in every channel.

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Alpha

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Alpha

We held an inception workshop to create a project roadmap for alpha with shared vision and goals iterated from Discovery.

We asked a series of questions to help shape the scope and focus for the work and gain consensus on what to focus first.

  • what is the service vision for this alpha phase?
  • what do we want to test and learn?
  • which users do we need to work with?
  • what capabilities will we need?
  • what challenges might we expect?

Following the inception workshop we agreed to focus efforts on “earlier engagement and the right channel” for alpha

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Alpha

Earlier engagement in the right channel

We reshaped our vision for alpha:

a service that supports and enables people to pay their council tax on time

Around the hypothesis:

more people will pay if they are engaged early, on the right channel for them

And we agreed a set of goals for alpha

  • carry out a controlled SMS and email pilot using known target groups that are currently out of step with expected collection using GOV.UK Notify
  • understand the impact of targeted and untargeted social media, SMS and text messaging on earlier engagement
  • consider wider opportunities to enhance service provision through more timely targeted intervention; driven by user needs
  • consider longer term technical or functional requirements and work through any kinks and concerns as part of  designing for wider use
  • use SMS and text to promote existing and future digital solutions

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Alpha

Earlier engagement in the right channel

We used the service map produced in discovery to identify opportunities for additional messages within the annual cycle. We shortlisted four messages to prototype and test in alpha.

  • a generic message promoting flexible payment options
  • a generic message to register interest in electronic bills
  • an account specific reminder of a late payment before issuing a reminder
  • an account specific reminder of a late payment before issuing a summons

We created a series of message prototypes following a co-design session with the service. These prototypes were designed to test our riskiest assumptions about messaging that we would research with council tax payers before commencing our pilot.

  • targeted messaging would increase engagement
  • people will read text / email messages
  • people won’t just assume the message is scan and ignore it

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Alpha

Earlier engagement in the right channel

We conducted 30 minute 1:1 remote interviews with 10 council tax bill payers to understand their experience of communications and their reaction to the prototype messages.

We asked them to talk to us about

  • their experience of receiving communications from the council.
  • their experience of receiving communication from other sources

We also sent them prototype messages using GOV.UK Notify to their mobile phones. We asked for their thoughts on the message prototypes, in particular:

  • their reaction to message tone and language.
  • what influenced their trust is message links?
  • their thoughts on receiving messages containing personal data
  • whether they find messages with advice useful?

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We recruited research participants through the councils residents panel and though contacts with the service. We screened respondents to prioritise conversations with households that had characteristics consistent with our target groups:

  • paid by means other than direct debit
  • had a household composition with young dependents
  • have irregular work or not currently employed
  • had experience of debt enforcement

We also wanted to speak to people across a range of demographics and who may have had lower literacy, or lower digital skills or access.

Working remotely did constrain how we carried out research as we had to send ‘real’ messages, so prototyping was at a slightly higher fidelity than we would have liked. Some learning points from the research were:

  • messages sent to phones we were talking on caused a break in conversation and participants weren’t able to consider messages as a whole resulting in some repetition of feedback.
  • we asked participants to “read out loud” to compensate for being unable to see what they were doing or looking at, however this had limited benefit as it may have felt unnatural for some.

Alpha

Earlier engagement in the right channel

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What we heard�from prototype testing

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How does language and tone of voice impact attitude to the message?

  • people did not like what they felt was an aggressive or demanding tone of voice. They believed that this could have a negative impact and reduce likelihood of action being taken

  • people felt that the softer, more friendly language was preferable. They also suggested that showing an interest in helping them was a good way to demonstrate that we understand circumstances vary

  • some people felt there was scope for varying language according to track record or place in the process

"1st one definitely not, people would say @#$%&! to you, you can take me to court and get a quid a week"

"I don't know if the threat of court action is necessary, it might rub me up the wrong way"

[message #2] "is a little more accepting...that people are struggling"

[message #2] "the second one is better. More friendly, not so aggressive"

"maybe send the second one a week after the payment was due, the first one maybe as a last resort"

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Do people trust and use links sent to them in text messages and are they important?

  • we didn't find a lot of evidence that people did not trust links sent by SMS, concerns were more around digital literacy. Some that people were happier to click on them if it was clearly directed to northlincs.gov.uk

  • people were generally happy with inclusion of links to "how to pay", etc. and felt it made it clear what response was expected, but this varied depending on how experienced people were with NLC online payments

"the gov.uk link makes it seem more legit"

"I've been told not to click on links if I don't know what they are. I'd have to wait until someone came round [to reassure me]"

[message #4 link] "says northlincs.gov.uk, it's not guaranteed but it's better"

[message 4] "I like that 'cos you've got the links underneath the info, including links to forms [on the website]"

"I'm more inclined to do something if the link is there"

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How does including limited personal information influence trust and confidence?

  • people responded positively to a bit of personalisation, suggesting it would help give credibility to the message and be more likely to lead to action being taken

  • there was some uncertainty about inclusion of anything more than a name, especially when discussing Council Tax account number

[message #6] "The name shows it's definitely for you...less likely to be something dodgy"

Message #6 "I'm more likely to click on that one 'cos it's got my name and account number"

[message 6] "it's one of the ones I'd trust. Including the account number is helpful, more relevant"

"You're giving the account number out, which I'm not particularly happy about"

"I'm not an expert but the [personal] information was about right

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Is there value in the Council signposting to debt advice and external support in messages?

  • generally positive reaction to debt advice links. One person made the point that as separate messages, they might be inclined to keep the one with links, just in case

  • there was a limited amount of concern about the length of the message

  • we found some evidence that people with experience of trying to use debt advice services, that they have limited capacity to help

"I like the links into the website, giving that extra bit of info for people. If they see that from the council, it makes people realise the council is human"

"good to know where to go for support"

"I would know who Citizens Advice are but not Step Change or National Debtline"

"Step change all they want is to consolidate debts" (IVA's)

"Council have cut [CAB] funding, it's really cheeky to put them there, hypocritical"

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Other things of interest

  • the people we spoke to were generally comfortable with receiving electronic communications but had concerns about relatives in digitally excluded groups.

  • there were a mix of views on which channel people prefer. People who use email a lot like it, but for others there were concerns that there was a risk of messages being lost in spam folders. For those, SMS messages were more likely to be seen.

[message #3] "I don't have a smartphone and I don't want one"

"an awful lot of people don't have a smartphone, no idea about going online"

"texts are more likely to grab my attention"

"A lot of emails go to my junk folder"

"I don't look at email regularly"

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What did people say about dealing with the Council Tax team?

  • those who had real experience of dealing with the Council by phone talked about a very helpful and supportive service, e.g., One participant had been in touch with LT&B and arranged payment plan and said "They were absolutely brilliant. Can't fault them"

  • those who had received reminder letters in the past, didn't view it positively. They found the letters to be quite threatening and aggressive

"They're superb. They always do what they say they're going to do"

"In their own way they are trying to help the individual, but I appreciate the Council have a job to do"

"The reminder letters are a bit scary, like all Council Tax letters"

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What we concluded�from prototype testing

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Alpha

Conclusions

We were able to draw some conclusions from user testing of prototypes that we used to influence our pilot message design:

  • everyone preferred the inclusion of first name, with most people feeling that it gave credibility, trust and confidence that it was not a mistake

  • strong preference towards a less "aggressive" tone

  • strong preference towards acknowledgement that it might be an error, rather than deliberate

  • clear need for contact details (especially phone number) to make it easier to act

  • some people are put off by links, so we thought it better to have it as the last thing

  • some people did mention that maybe links would be better in an email

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Alpha

Conclusions

We also identified some additional design elements that we either incorporated into pilot message design or that could be used to influence additional message design. These insights were not explicitly tested but were extrapolated from research feedback, observations on the process and feedback received in discovery.

  • several people, when comparing language / tone suggested that we might adjust it depending on track record. (Other authorities use intelligence based decision making to determine message content and language.)

  • where action is crucial, highlight the urgency of the situation, without threatening

  • we thought about the context when designing messages
    • in a live service, the person would have received an SMS / email and a letter in the post
    • we didn't include ways to pay, as they should have received these already

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Feedback we received on our research

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Feedback

As our first exemplar project we wanted to showcase the values and methodologies of user research to build confidence within the council that this approach results in insightful conversations with users and reduces the risk to the authority.

We made sure we:

  • produced information sheets and discussion guides for all participant interviews
  • updated our privacy statement and agreed the GDPR ‘basis for processing’ so we could approach the interviews with confidence

We think this was reflected in the participant feedback we received, which was universally positive

  • I think it’s brilliant; the council is often seen as corporate or distant and speaking to residents' challenges that
  • I'm comfortable, it was open and honest; It's pre-arranged; You introduced yourselves; I know you are taking notes; You could not have been more transparent
  • it's good that the council want to understand residents' experiences
  • it's good that you're involving customers
  • this is fantastic. I won't talk to loads and loads [of other people] but people do talk and it's nice to have something positive to say about the council
  • this is the perfect forum; I can just sit at home and participate. I'm not going to come into the office to have this conversation

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ServiceDesign@northlincs.gov.uk

Thanks!