England need to re-think their tactics after crashing to a 55-run defeat to New Zealand in the second T20 international, in Hamilton, says David Lloyd.
Skipper Stuart Broad opted to bowl first after winning the toss - a decision he later admitted he got wrong - and the Black Caps cashed in, scoring 192-6 as Brendon McCullum cracked 74 off just 38 balls.
England's batting line-up could not repeat the powerful display they put on in the first T20 in Auckland, which they won by 40 runs, and were bowled out for 137 in 19.3 overs as James Franklin finished with 4-15.
"After their powerhouse display up in Auckland, I was dismayed that England won the toss and decided to let New Zealand bat first on a beautiful pitch," said Bumble.
"But I think that Broad was expecting the grass to do something for the quicker bowlers but then he compounds that by opening with a spinner [James Tredwell].
"So that was a bit of a mystery and it went wrong from then on. A total of 192 was always going to be a great score so England had to do everything perfectly well and they didn't."
England's reply barely got going as Mitchell McClenaghan removed Alex Hales and Luke Wright in successive balls to leave the tourists 9-2 in the second over.
Jos Buttler dragged the visitors up to three figures by striking nine fours and a six on his way to 54 off 30 balls, but only three other players made double figures, the best being Tredwell's 22.
"I just think that it was one of those unpredictable games," said Bumble. "They were so good - I thought they were perfect - up at Auckland but the performance stuttered.
"What Broad's done by getting the toss wrong is given the game across to New Zealand.
"There is a dew on the ground now [at the end of the match] and the ball definitely swung under lights when the two left-armers got going.
"You saw the expression with Hales when he was bowled - he looked at the pitch and the movement that the ball got.
"I just think they got it tactically wrong. England will be fine. These matches are so unpredictable. New Zealand were down and out two or three days ago.
"They've come back and put a performance in. So it sets it up for me. I still think it's great fun. I still think that England can turn it around and bounce back.
"Tactically, win the toss; we should have batted."
Buttler - who made 32no off 16 balls in the first T20 international - reached his fifty off just 28 balls and former England opener Marcus Trescothick told Sky Sports that his Somerset team-mate must now carry his decent form into the final T20 international, in Wellington on Friday, and beyond.
"He was the highlight of England's batting because it wasn't too great," said Trescothick.
"He's been in good form, scoring runs in the warm-up games and he's gone okay in the first T20s. He's showing the class that he really has.
"The ramp was good today; it would be nice if he could carry on this good form for a good period of game into the one-day games."
Watch the third and final T20 between New Zealand and England from 5.30am this Friday on Sky Sports 1 HD.