Date post: | 21-Oct-2014 |
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Design |
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The New Bank Experience - Design Management Master - IED Barcelona 2010
Think different
Bank different
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Time is Gold
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
People aim to optimize their time
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
customize
multitask
delegate
alternative solutions
How do people optimize time?
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Banks manage
gold
Banks manage
time
=Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
A bank’s main touch points
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Physical banking
Traditional Approach
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Today’s Approach
physicalbanking
online banking
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
GlobalTrends
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
social micropayment
Blogger
Musician
Reader
Viewer
Listener
Viewer
Listener
Film Maker
$
$ $$
Generosity
Artist
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Think Tankan organization that conducts research and engages in advocacy
The New Bank Experience - Design Management Master - IED Barcelona 2010
Sharing
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Do it Yourself
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
“
”
Today we share information, our life stories, our thoughts and opinions, and
crucially, our ideas.
This has created a society populated by
those who operate like this every day of their lives.
The New Bank Experience - Design Management Master - IED Barcelona 2010
- WGSN 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
• Time is gold
• Buying time
• Sharing & generosity
• Alternative methods (substitution)
MainDrivers
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
more “pull”
The New Bank Experience - Design Management Master - IED Barcelona 2010
less “push”
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Banks should offer seminars,
business tips and mentoring
for their business clients.
The New Bank Experience - Design Management Master - IED Barcelona 2010
”“
-Freelancer, Barcelona
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Persona
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria Sanchez
Owns her own consultancy company with 3 other partners.
Teaches a masters course part-time.
Ambitious, career focused, adventurous, environmentally and socially aware.
‣ Age: 36 years old ‣ Sex: Woman
‣ Nationality: Catalan
‣ Resident: Barcelona‣ Education:- Industrial design [Escola Superior de Disseny, Elisava]
- MBA Strategic Management [USA]
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s Mindset
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s Actors
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
International Network
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s actors
Network Events
Business
Partners
Personal
Lawyer
Clients Account
Online Banking
Think Tank
Catalan Network
International Network
Financial Advisor
1
2
3
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Online Banking
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s ExtremeMonday
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
24:00
06:00
03:00
12:00
18:00
09:0015:00
21:00
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s extreme monday
)))))
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
24:00
06:00
03:00
12:00
18:00
09:0015:00
21:00
)))))
Maria loses majority of her time traveling between meetings.
She looks to optimize her time in other aspects.
The New Bank Experience - Design Management Master - IED Barcelona 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Where Maria wastes time
24:00
06:00
03:00
12:00
18:00
09:0015:00
21:00
)))))
Maria is adaptable to different working environments.
She is often working in a range of spaces with a range of platforms.
Maria’s productive places
The New Bank Experience - Design Management Master - IED Barcelona 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s Typical
SaturdayMandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
24:00
06:00
03:00
12:00
18:00
09:0015:00
21:00
Maria’s typical saturday
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
24:00
06:00
03:00
12:00
18:00
09:0015:00
21:00
Maria’s typical saturday
Maria meets two new contacts (networking event) for lunch in the center of city.
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
“I need more time...more time
to work...”
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Where professional meets personal
Blurry linesIt’s not what you know,
it’s who you know
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Business &pleasure
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’sMonthly
Cash FlowMandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Total Income € 4.600
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Rent €1.200 1st - 5th / monthly La Caixa|Cash/Transfer
€ 3.400
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Loan €9006th - 10th / monthlySantander|Auto-Transfer
€ 2.500
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
€ 1.950
Bills/Utilities €5506th - 15th / monthlyCaixa Catalynua, La Caixa|Auto-Transfer, Cash
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
€ 1.290
Fitness club €170 La Caixa|Auto Transfer
Gas/Insurance €330 Online Transfer
Cleaning €160 Cash
20th - 25th / Monthly
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
€ 1.050
Market €24030th / MonthlySabadell|Debit Card/Cash
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
€ 800
Retirement €25030th / monthlyOnline Bank Transfer
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s monthly cash flow
€ 800
At the end of the month, Maria is left with
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
MariaNeeds...
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Diversity|network
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Flexibility|time
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Organization|simplicity
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Opportunity Space
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Use a bank anytime for
anything
Network experience
Loantime
Useanother
currency
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Loan Time
Use Another Currency
Use A Bank Anytime For
AnythingNetwork
Experience
more time
benefit education
timeknowledge
loyalty
increase interest
cultural space
Community
Shareknowledge
Guidance
Experience
Connectingpeople
Advice
Pitch ideas
Access tocontacts
Contacts
Opportunity Space
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
ConceptMandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
BanConnect enables entrepreneurs, business
owners and freelancers to select, network and realize their projects using the bank’s
existing infrastructure.
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
The goal is to create business
partnerships and connections that
result in successful ventures and
projects coming to life.
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 1
Needs:- Time
- Competence
MARIA
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 1
Needs:- Time
- Competence
MARIA Bank converts: Needs > Opportunities
Contact Bank
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 1
Needs:- Time
- Competence
MARIA Bank converts: Needs > Opportunities
FreelancerBusiness Owner
Contact Bank
Opportunities = New Currency
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 1
Needs:- Time
- Competence
MARIA
Contact Bank
Bank converts: Needs > Opportunities
Opportunities = New Currency
FreelancerBusiness Owner
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 1
Needs:- Time
- Competence
MARIA
Contact Bank
Bank converts: Needs > Opportunities
Opportunities = New Currency
FreelancerBusiness Owner
Information, Contacts, Time, Competence
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 1
Needs:- Time
- Competence
MARIA
Contact Bank
Bank converts: Needs > Opportunities
Opportunities = New Currency
FreelancerBusiness Owner
Information & Contacts = Business for the Banks
Commission
New clients
Customer Loyalty
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Benefits
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 2
MARIA
Needs:- Time- Financing- Skills
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 2
MARIA
Idea + Needs/Opportunities
Needs:- Time- Financing- Skills
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 2
MARIA
Idea + Needs/Opportunities
Business Owner
Freelancer
Opportunity Currency
Needs:- Time- Financing- Skills
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 2
MARIA
Needs:- Time- Financing- Skills
Idea + Needs/Opportunities
Business Owner
Freelancer
Can Provide:- Financing/Investment- Knowledge/ Skill
Opportunity Currency
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 2
MARIA
Needs:- Time- Financing- Skills
Idea + Needs/Opportunities
Business Owner
Freelancer
Can Provide:- Financing/Investment- Knowledge/ Skill
Opportunity Currency
Investment in manpower, time
and money
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Supplies Contacts = Business for the Banks
Concept Flow 2
MARIA
Needs:- Time- Financing- Skills
Idea + Needs/Opportunities
Business Owner
Freelancer
Can Provide:- Financing/Investment- Knowledge/ Skill
Bank Supplies Contacts =
Commission for the Banks
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Benefits
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc.
Business Owner
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc.
Business Owner
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc.
Business Owner
Bank present opportunity (problem) to suitable investors
Business Owner
FreelancerMARIA
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc.
Business Owner
Bank present opportunity (problem) to suitable investors
Business Owner
FreelancerMARIA
MARIA
Business Owner
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc.
Business Owner
Bank present opportunity (problem) to suitable investors
Business Owner
FreelancerMARIA
Becomes stakeholders /Investors in the struggling company
MARIA
Business Owner
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc.
Business Owner
Bank present opportunity (problem) to suitable investors
Business Owner
FreelancerMARIA
Becomes stakeholders /Investors in the struggling company
MARIA
Business Owner
Bank receives mortgage payments again
Avoid business takeover
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Benefits
The New Bank Experience - Design Management Master - IED Barcelona 2010
Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc.
Business Owner
Bank present opportunity (problem) to suitable investors
Business Owner
FreelancerMARIA
Becomes stakeholders /Investors in the struggling company
MARIA
Business Owner
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Scenario
[Video]
Thank you.
The New Bank Experience - Design Management Master - IED Barcelona 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010