Simon Norris' presentation at UXSTRAT Europe 2016 | 10.06.2016
"This is a presentation about the future of money. What it means to live in a cashless society and how we train children to become sensible spenders and savers.
I’ll be sharing with you the key experience strategy activities and outputs from a recent client engagement.
We were asked to create a brand. This is not a typical request! We’re not a branding company. We’re a UX company. We know about digital stuff. We know how to work with a brand. Designing a brand is a very big challenge!
Here's how we did it..."
9. @simon_norris
A brand for a company is like a reputation for
a person. You earn reputation by doing the
hard things well
Jeff Bezos
10. @simon_norris
The client’s brief
1. Deliver a compelling brand
for the banking customers
of tomorrow
2. Identify or create opportunities
for future growth of the brand
17. @simon_norris
2 4 5
Ask a parent to activate
your card online and
view your PIN
Make sure your allowance
is set to top-up your
account regularly
Get the nimbl app and keep
an eye on how much you
spend and save
All yours!
Your money, your choice.
Now you can spend in store and
online or start saving today
Your nimbl card is contactless
Just tap to pay where you see the sign
21. @simon_norris
The client’s brief
1. Deliver a compelling brand
for the banking customers
of tomorrow
2. Identify or create opportunities
for future growth of the brand
22. Future
@simon_norris
The road ahead - evolving the brand
Building the vision
around a sense of
‘confidence’ we’ve
deliberately created
a space for nimbl to
occupy and further
grow into.
Project
Managing money is
just one of a wider
set of core life-skills
parents wish for their
children.
23. @simon_norris
Managing money - evolving the brand
Assertiveness
Managing money
Critical thinking Problem solving
Decision making
Effective
communication
Creative thinking Team working
Life skill
24. @simon_norris
Developing life skills - evolving the brand
Assertiveness
Managing money
Critical thinking Problem solving
Decision making
Effective
communication
Creative thinking Team working
Life skills
28. @simon_norris
Defining the problem!
Problem notion
• An awareness of what
might be the cause
• Some sense of
requirement
Problem definition
• A ‘true’ brief
• A clear sense of the
problem / opportunity
• The ‘effects’ it causes
• An understanding of
how to approach it
versus
Brand
35. The Double-Diamond design process
@simon_norris
Discover Define Deliver
D
iverge
C
onverge
C
reate
choices
M
ake
choices
D
iverge
C
onverge
C
reate
choices
M
ake
choices
Develop Measurement
36. The Double-Diamond design process
Discover Define Deliver
D
iverge
C
onverge
C
reate
choices
M
ake
choices
D
iverge
C
onverge
C
reate
choices
M
ake
choices
Develop Measurement
@simon_norris
37. The Double-Diamond design process
Discover Define Deliver
D
iverge
C
onverge
C
reate
choices
M
ake
choices
D
iverge
C
onverge
C
reate
choices
M
ake
choices
Develop Measurement
@simon_norris
38. The Double-Diamond design process
Discover Define Deliver
D
iverge
C
onverge
C
reate
choices
M
ake
choices
D
iverge
C
onverge
C
reate
choices
M
ake
choices
Develop Measurement
Developed by the UK's Design Council@simon_norris
39. The Double-Diamond design process
Discover Define Deliver
D
iverge
C
onverge
C
reate
choices
M
ake
choices
D
iverge
C
onverge
C
reate
choices
M
ake
choices
Develop Measurement
@simon_norris
40. The Double-Diamond design process
Discover Define DeliverDevelop Measurement
Feedback loop
Developed by the UK's Design Council@simon_norris
44. Taking the client on a design journey
• There in an inherent challenge on taking a client on
a journey across a prolonged research and
discovery project;
• Ensuring insights are surfaced and explained in
terms of how they inform thinking;
• Consensus with the methods and supporting
rationale;
• Collaboration is critical;
• Matching with the client.
@simon_norris
45. @simon_norris
Meet the UX ‘thinkers’
Thinking as a designer, and what this represents
}The power of two
Tim
‘To design is to communicate
clearly by whatever means
you can control or master.’
Milton Glaser
‘Curiosity breeds creativity.’
Tim
Aled
47. Criss-crossing the process
Measurement
1. Starts out highly
explorative and
‘divergent’ in nature
2. New insights validate
or create new paths for
exploration and discovery
3. Over time, we build a
sense of what’s important
and what can be ‘pruned’
@simon_norris
49. @simon_norris
• Perceived generational divide;
• Value of money less well-understood in a world of digital;
• Children more money focused today;
• Schools not seen to be playing an active part (implying
adults see this as an educational issue);
• Banks also not seen to be set-up to manage the financial
needs of today’s teenagers.
“Mum, my money’s gone.
So we sat down to look at her
bank statements together.”
Mum of Kate, 13
“He didn’t realise he was
spending money.”
Dad on his son’s
in-app purchases
The meaning of money
1.
active learning
50. @simon_norris
‘Active learning’ was a cornerstone
informing all our brand proposition
development work.
The meaning of money
1.
active learning
Family
Parent
Child
Manage
Transact
nimbl
51. @simon_norris
Drivers for pocket money:
• Emotive recollections by parents:
• Happiness;
• Maturity;
• Reward.
• Parents who received pocket money are 3x more likely
to give their children pocket money.
• Extension of parental care whilst away from home.
“I was able to ‘send’ him
the money so I knew
he’d get home safely.”
Parent
Under 1 in 3 parents
give pocket money for
‘convenience’ reasons.
Survey insight
Feeling over function
2.
52. @simon_norris
• The Why (feeling) proceeds The What (function);
• To capture emotion and reflect parental desires
for care into the brand proposition;
• Create an enduring legacy to drive
future brand evolution;
“Today’s financially
confident children
will become tomorrow’s
financially confident
adults. It’s nimbl,
not banking.”
nimbl brand philosophy
Feeling over function
Creating a sense of legacy
2.
53. @simon_norris
• Feeling independence & acting responsibly - freedom;
• Responsibility is ‘given’ or ‘earned’;
• The ‘felt’ confidence is two-way - parent & child;
“He kept taking it out
of his wallet to show
his friends.”
Parent, 1-2-1 interviews
Responsibility
3.
54. @simon_norris
A daisy-chained ‘on-boarding’ experience
Why we chose to celebrate symbolic importance
4.
2-3 hrs
Parent orders
card online
Step 1
Order confirmation
received
Step 2
Card arrives
in post
Step 3
How you getting on?
Follow up emails
Step 4
1-2 wks 2+ wks
Get parents & children
thinking about the card
arrival and initial usage
Usage tracking
Little notifications
along way to support
on boarding
Countdown comms
Getting ready and
building anticipation
55. @simon_norris
A brand is not just a logo, a website or your
business cards... it's an experience
Anon