Ce diaporama a bien été signalé.
Nous utilisons votre profil LinkedIn et vos données d’activité pour vous proposer des publicités personnalisées et pertinentes. Vous pouvez changer vos préférences de publicités à tout moment.

Eloise Smith-Foster & Rosie Trudgen - The Untapped Potential of Future Foresight

  1. 1. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Future Foresight The Untapped Potential of Rosie Trudgen & Eloise Smith-Foster Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  2. 2. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 GSA RBS STAKEHOLDERS
  3. 3. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Eloise Smith-Foster Lizzie Abernethy Ole Tørresen Kirsty Ross Students GSA Academic Lead RBS Industry Lead Becky Bush Will Brown Josh Woolliscroft Struan Wood Rosie Trudgen Robyn Johnston Amber Jones Josie Fine Ottavia Pasta Ola Kozawska PROJECT TEAM
  4. 4. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Talk Hands on Foresight and service design Case study: Insight & methodology Explore future of banking for Finland using futures methods AGENDA
  5. 5. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 In an increasingly complex world, service design is evolving to address systemic, long term societal issues. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  6. 6. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 FUTURES CONE Possible Probable Plausible Now 1-5 years Near Future 5-25 years Far Future 50+ years Adapted from pub. diagram: Speculative Everything: Design,fiction and social dreaming. Anthony Dunne & Fiona Raby MIT press (2013).
  7. 7. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 FUTURES CONE Now 1-5 years Near Future 5-25 years Far Future 50+ years Cultural Change Threats & Opportunities
  8. 8. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 "Service design brings customers and other stakeholders and their needs into these future contexts and ideates and visualizes potential new solutions in creating desired futures." The Handbook of Service Innovation by Willem Selen, Roy Green, Göran Roos, Renu Agarwal, 2015 Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  9. 9. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Context Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  10. 10. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 CASE STUDY: BRIEF The future of banking for Generation Y - Upskill in-house team - Investigate Millennials Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  11. 11. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 FORESIGHT OUTCOMES 1. Future Customers
  12. 12. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 FORESIGHT OUTCOMES 1. Future Customers 2. Future World
  13. 13. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 FORESIGHT OUTCOMES 1. Future Customers 2. Future World 3. Future Services
  14. 14. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Tess Money Manager The Money Managers like to know exactly where their money is going. They take time to actively monitor their spending whether that be in an analog or digital way. They are likely to have frozen savings accounts they don’t touch. Being able to sustain oneself is one of life’s’ biggest satisfactions. Ten years ago I was... 13 years old getting my first job to help support my family and myself. In ten years I will be... have a good flat in a nice area. I will be in a well paid job to prevent money worries. I like the idea of things becoming more about biometrics rather than using passwords My biggest worry is... not being able to afford my weekly shop and having to dip into my savings or asking my parents or my boyfriend for money. Self sufficiency and security is a priority and I want to be in a position to plan. I guess being in financial difficulties makes you reflect on what is really valuable, being educated about finance is important as it allows you to choose what is better for yourself. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 35% Workresearch 20% Online Banking 25% Social Media 10% emails 10% online shopping 35+20+25+10+10 Relationship to community Facebook Cafe Staff Online Clients Offline Friends Study group What’s in your wallet?If I had £10,000... Awareness of security Password: 241163McFarlane So so Life stability Stability level: Settled Relationship to phone Innovator Laggard Mainstreamer Engagement +- Trust + - ““ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Age 23 I have a smartphone so I can keep updated with what’s happening. I mainly use it to check my online banking, often even before I shop to make sure I can afford it first. My ideal bank would offer higher interest on savings accounts. Money managing would be made easier and Banks would also reward those to manage their money well. I love that I am able to control my personal finances through online banking and I love how emerging technologys speed up boring processes such as emails. I am a very fond Internet user and love new fast technologies such as contactless. Online banking lets me feel more in control of my spending, I check my account several times a weeks as its calms my nerves. Im a very anxious spender. Me Key Edinburgh Rent In a relationship Law student £400 (SAAS, Salary) I would freeze the money in an account with the highest interest rate, I would also give half to my family to help them clear their debt. University vle Twitter University Mentor of study group Tutor for pupils Scott Traditionalist Value safety and known habitats. Relying on routine, daily rituals and following established social norms. More likely to choose predictable and safe jobs than emerging fields. Happy and content in pursuing long term goals over short term thrills. Value long term relationships. You reap what you sow. What’s for you won’t go by you. Ten years ago I was... still in school not concerned with any big choices. In ten years I will be... married, with kids, a better paid job and hopefully owning our own house. Security is important, I have several passwords I use. I try to do larger bills on my own wifi. My biggest worry is... Not being able to support myself and the people in my life. My dad worked to provide for us all and I would like to do that for my family. To me the most important thing is to be stable in the relationships I have with my girlfriend, my childhood friends and with my family. Work is not something I would say I particularly enjoy, but it is ok and it helps me to stay financially stable to do what I prefer doing on my own time. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 40% Music & video 30% Following sport 20% Facebook 10% Reading news 40+30+20+10 Relationship to community Church Teammates Other teams Twitter Work facebook Online Offline Friends Local community What’s in your wallet?If I had £10,000... Awareness of security Password: Lassie99 So so Life stability Stability level: Settled Relationship to phone Innovator Laggard Late-comer Engagement +- Trust + - ““ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Shawlands, Glasgow Rented accomodation In a relationship Team manager at BT £32,000 Age 25 I use my phone to read news, play games and listen to music on my commute to and from work. At my work I have a separate phone My ideal bank would be... more like an investment group where we have more of a mutual opportunity to make as much money as possible. I am online a lot, checking the latest sport and news, but I don’t really post anything. I use my phone and the internet to get information, I don’t feel comfortable putting things about myself online. I don’t really get those who do it. go on a holiday with my girlfriend, then use the rest to pay off student debt. It is something that is on my mind quite a lot, kind of like a weight I would like to get rid of as soon as possible. I don’t worry too much about how I spend my money, I only have an estimate in my head. When the paycheques comes in everyone gets their part, the loan payment, the saving account and the creditcard. I usually pay for things with my creditcard and pay it off at the end of the month to build credit score. Me Key Colleagues Local businesses 5aside football Matthew Disruptor Disruptors are socially driven, and active in multiple projects outside of their main job. Often they use their skills to offer a social benefit to their community. Being highly informed of the world around them, Disruptors challenge the status quo to seek new solutions. Treat others as you treat yourself and value happiness more than earning. Ten years ago I was... less reflective than I am now, although I had more of an assumption about where I wanted to go. In ten years I... hope I make enough to sustain my own ideals. In general I prefer to make rough, short term plans. It is more suspicious to try and hide your data, but this also goes both ways. Since people already expect all the actors around them to share data. My biggest worry is... I’ll get tied up with life here in Glasgow. I’m committed to living in Glasgow for about 3 years but I don’t want to be locked down, I want to try living somewhere else like Berlin. I ended up in debt and was stuck in overdraft for four years so I borrowed a lot from parents to get rid of the overdraft and then I’m paying them back because it was cheaper. Freedom of choice is important to me, I would never work for a big corporation. I don’t think job is the right word, it’s what you’re working on as opposed to the job. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 38% Work 20% News 20% Social media 17% Music 5% Dating 38+20+20+17+5 Relationship to community Music society pals Staff Users Online Offline Local makerspace Cyclehack community Programmer community Local political activities What’s in your wallet?If I had £10,000... Awareness of security Password: Zv234H5tB!r43fn Fort Knox Life stability Stability level: Fluid Relationship to phone Innovator Laggard Innovator Engagement +- Trust + - ““ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Renting from parents Single Programmer £27,000 Age 24 I have a lot of apps on my phone. If I ever go missing and I have my phone on me, I like the idea that I could be tracked quite easily. and people could know where I am. My ideal bank would… feel like a flow, be fluid, empathetic and positive. A bank that fits around me and my lifestyle. In a perfect world it would be a mutual credit union. We have a difference between social and professional appearances in the real world, so why not in the digital? I like to stay informed and connected to my network through the internet. Pay back parents and put the rest into a building society. I would also invite my friends for a big dinner. I value satisfaction more than earning. Money gives me the freedom to express myself and be generous with others. I use bitcoin as an alternative and as an experiment to try it out. I’m self-employed and I don’t know when the next payment will come so I feel no sense of security with paychecks. When I have money I’m scared to spend it. My credit rating is messed up because I don’t want to get a credit card. Me Key Sophie Persona title The precariat is usually living in a situation of unpredictability and insecurity, such as intermittent employment. affecting their material or psychological welfare. Aim for independence. Until then, adapt quickly and live in the moment! Ten years ago I was... in school! My values haven’t changed, I just have more power to implement them In ten years I will be... looking back on many different interesting things I’ve been involved in. Would prefer a trade off of information and privacy for access, speed and efficiency. My biggest worry is... I won’t be able to find a job when my internship ends. I’m doing an unpaid internship because that’s the only way. I’m constantly seeking opportunities and have to adapt quickly. My temporary financial situation is a daily struggle and my parents still have to send me money. I am quite careful with money, only spending it if I have a good reason. However, I’ve always been more interested in experiences and I’ve never been a huge consumer. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 27% work 26% music 25% social media 15% video 7% news 7+15+25+26+27 Relationship to community Twitter Facebook Online Offline Edinburgh College of Art FB group What’s in your wallet?If I had £10,000... Awareness of security Password: Piccolo1708 So so Life stability Stability level: Rubbish Relationship to phone Innovator Laggard Early Adopter Engagement +- Trust + - ““ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” London Renting Intern & waitress £2385 per annum Age 21 I use instagram and social media apps all the time to keep in touch with friends in Scotland. I use mobile banking to check my account a lot. A bank that supports people, will adapt to you and be understanding. A local, socially driven and tailored bank. I would also want them to keep it simple and reliable. Instagram is pretty important to me because I use it to practice photography. In architecture you need to learn to take good photos of your work. I don’t publish much on Facebook anymore, just the odd picture from an important event if I really want to share it. Pay for driving lessons. I put aside money for a driver’s licence but then things changed and I had to spend the money on living which was heart- breaking. I only spend money for a reason. I don’t feel secure without cash on me, but I do spend my tangible money faster! When it comes to banks - if I could have more little drawers for my money, I could sort it more easily. I don’t know how much I’m spending. Me Key ” Yoga Choir Behance Tumblr PinterestInstagram Architecture FB group Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith FORESIGHT METHODS 1. Future Customers Identify new values (disruptions)
  15. 15. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 EDUCATION Scottish High School, DBGS in Saudi Arabia Undergrad in Literature. Masters in Journalism POST-SCHOOL Student loan and grants FUNDING / JOB Renting shared flat with 3 others Staff writer for a Glossy magazine, Own brand HOUSING SITUATION FUTURE SELF “I write to provoke people into thinking about issues in different ways” “Writing helps me organise my memories, it helps me organise how I view the world and how I view myself” “[Mantra] Think differently and be open to change. Don’t become normalised ” “Settling down with a family is always possible with being a citizen of the UK.” 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. I defiantly see myself working in a global context. Not a nomad, with a companion. Couldn’t get ideal job with Bachelor degree so ‘hit the reset button’ in a master of journalism Fulfilment is: Financial security, emotional security and sucessful career. Has dual nationality. Sees having a UK passport as the option to settle down. “I still give £2 a month but I just feel like guilting people into something is ethically wrong.” Considers himself to be socially responsible by anticipating the effect his writing has on others. Writing helps him organise his memories and organise how he views himself in the world. Next steps: wants to write for a glossy mag because they have a longer shelf life. He wants to influence thinking. Writes blogs as his experience as a homosexual man. Hasn’t heard of the block chain, expects it to be free before he would consider it. ANDREW, 27 FUTURE JOURNALIST GLASGOW M. STUDENT SINGLE ONLY CHILD Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  16. 16. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  17. 17. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 PERSONAS Tribes Lost faithAnalogue Money m anager Nomad Stabilityseeker Tech savvy TraditionalistEntrepreneur Spe nder DisruptorPrecariat Patch work Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith PERSONAS Tribes Lost faithAnalogue Money m anager Nomad Stabilityseeker Tech savvy TraditionalistEntrepreneur Spe nder DisruptorPrecariat Patch work Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Shares rented flat Fair-trade (temporary) £ 1500 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith
  18. 18. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. Current relationship with bank Life motto Past & future self Adoption of technology Brand affinity Spending & saving attitudes Apps What’s in your wallet? If I had £10,000... Relationship to phone Innovator Laggard Early adopter Engagement + - Trust + - ““ “ “ “ “ “ ”” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. If I won £ 10,000 I would start a km0 food business to turn my passion for food for the local I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith PERSONAS Tribes Lost faithAnalogue Money m anager Nomad Stabilityseeker Tech savvy TraditionalistEntrepreneur Spe nder DisruptorPrecariat Patch work Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith
  19. 19. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Adoption of technology Brand affinity Spending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet? If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phoneInnovator Laggard Early adopter “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. Current relationship with bank Life motto Past & future self Adoption of technology Brand affinity Spending & saving attitudes Apps What’s in your wallet? If I had £10,000... Relationship to phone Innovator Laggard Early adopter Engagement + - Trust + - ““ “ “ “ “ “ ”” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. If I won £ 10,000 I would start a km0 food business to turn my passion for food for the local I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith PERSONAS Tribes Lost faithAnalogue Money m anager Nomad Stabilityseeker Tech savvy TraditionalistEntrepreneur Spe nder DisruptorPrecariat Patch work Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith
  20. 20. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Adoption of technology Brand affinity Spending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet? If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phoneInnovator Laggard Early adopter “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. Current relationship with bank Life motto Past & future self Adoption of technology Brand affinity Spending & saving attitudes Apps What’s in your wallet? If I had £10,000... Relationship to phone Innovator Laggard Early adopter Engagement + - Trust + - ““ “ “ “ “ “ ”” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. If I won £ 10,000 I would start a km0 food business to turn my passion for food for the local I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith PERSONAS Tribes Lost faithAnalogue Money m anager Nomad Stabilityseeker Tech savvy TraditionalistEntrepreneur Spe nder DisruptorPrecariat Patch work Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith
  21. 21. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest w losing my values. I have a job right now, but I’ll probably get bored don’t want to feel tied down, I want to live in the mom things well now. Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid “ “ “ ” ” into benefits for the local community valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Adoption of technology Brand affinity Spending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet? If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phoneInnovator Laggard Early adopter “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. Current relationship with bank Life motto Past & future self Adoption of technology Brand affinity Spending & saving attitudes Apps What’s in your wallet? If I had £10,000... Relationship to phone Innovator Laggard Early adopter Engagement + - Trust + - ““ “ “ “ “ “ ”” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. If I won £ 10,000 I would start a km0 food business to turn my passion for food for the local I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith PERSONAS Tribes Lost faithAnalogue Money m anager Nomad Stabilityseeker Tech savvy TraditionalistEntrepreneur Spe nder DisruptorPrecariat Patch work Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith
  22. 22. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. Idon’t want to feel tied down, I want to live in the moment and dothings well now. Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid “ “ “ “ “ “ ” ” ” ” ” ” I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I use internet mostly to be informed and connect withfriends and people from diversecommunities. £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community Me Key Work EatWith Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest w losing my values. I have a job right now, but I’ll probably get bored don’t want to feel tied down, I want to live in the mom things well now. Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid “ “ “ ” ” into benefits for the local community valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Adoption of technology Brand affinity Spending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet? If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phoneInnovator Laggard Early adopter “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. Current relationship with bank Life motto Past & future self Adoption of technology Brand affinity Spending & saving attitudes Apps What’s in your wallet? If I had £10,000... Relationship to phone Innovator Laggard Early adopter Engagement + - Trust + - ““ “ “ “ “ “ ”” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. If I won £ 10,000 I would start a km0 food business to turn my passion for food for the local I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith PERSONAS Tribes Lost faithAnalogue Money m anager Nomad Stabilityseeker Tech savvy TraditionalistEntrepreneur Spe nder DisruptorPrecariat Patch work Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith
  23. 23. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. Idon’t want to feel tied down, I want to live in the moment and dothings well now. Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid “ “ “ “ “ “ ” ” ” ” ” ” I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I use internet mostly to be informed and connect withfriends and people from diversecommunities. £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community Me Key Work EatWith B L We the est pas Avoid ban much as yo Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. Life mottoPast & future self Adoption of technology BraSpending & saving attitudes Early adopter “ “ “ “ ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I get paid weekly, I live from day to day. I just need Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest w losing my values. I have a job right now, but I’ll probably get bored don’t want to feel tied down, I want to live in the mom things well now. Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid “ “ “ ” ” into benefits for the local community valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Adoption of technology Brand affinity Spending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet? If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phoneInnovator Laggard Early adopter “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. Current relationship with bank Life motto Past & future self Adoption of technology Brand affinity Spending & saving attitudes Apps What’s in your wallet? If I had £10,000... Relationship to phone Innovator Laggard Early adopter Engagement + - Trust + - ““ “ “ “ “ “ ”” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. If I won £ 10,000 I would start a km0 food business to turn my passion for food for the local I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith PERSONAS Tribes Lost faithAnalogue Money m anager Nomad Stabilityseeker Tech savvy TraditionalistEntrepreneur Spe nder DisruptorPrecariat Patch work Benjamin Lost Faith Well informed but sceptical and distrustful towards the current banking model. They have a strong established ethics and values, and are active and passionate members of their local communities. Avoid banks as much as you can. Ten years ago I was... less reflective, but I was already engaged in activism at school. In ten years I will be... I can’t plan in ten years. I just know that I want to make valuable work in a buzzing community. I’m worried about how companies use my data, I want to know where these information go, how they use it. My biggest worry is... losing my values. I have a job right now, but I’ll probably get bored of it soon. I don’t want to feel tied down, I want to live in the moment and do things well now. Current relationship with bank Life mottoPast & future self Adoption of technology Brand affinitySpending & saving attitudes Apps Presentation of online self 30% Twitter 25% News 20% EatWith 10% Freecycle 15% Others 30+25+20+10+15 Relationship to community Govanhill Community Centre Freecycle Govanhill Events Members Couchsurfing Online Offline Twitter Friends Members What’s in your wallet?If I had £10,000... Awareness of security Password: Jk92?food Alright Life stability Stability level: Fluid Relationship to phone Innovator Laggard Early adopter Engagement +- Trust + - “ “ “ “ “ “ “ “ “ “ “ ” ” ” ” ” ” ” ” ” ” ” Glasgow Shares rented flat Fair-trade (temporary) £ 1500 Age 22 I use my phone pretty often. It’s easy to check the news, what events are going on around me, and if I have any request from EatWith. I would like my bank to be digital and transparent, tailored for my needs and more socially and ethically driven. I use internet mostly to be informed and connect with friends and people from diverse communities. If I won £ 10,000 I would start a km0 food business to turn my passion for food into benefits for the local community I get paid weekly, I live from day to day. I just need money to pay my rend, eat, and enjoy my time with friends. I also give something to charity when I can. Me Key Work EatWith
  24. 24. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Relationship Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  25. 25. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Relationship Hygienic Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  26. 26. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Values Framework Self-Directed Self-set goals Universal Balances everyone’s needs and values Tribal Champions specific communities needs and values Consistent Reliable, predictable and decent Secure Stable, long term, reciprocative to your actions Powerful Attainment of resources, social currency and knowledge Ambitious Focus on personal competence and achievement Enjoyable Entertaining, amusing and appealing Exciting Short-term novel experience 1 2 3 4 5
  27. 27. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 What does your bank value now? Self-Directed Self-set goals Universal Balances everyone’s needs and values Tribal Champions specific communities needs and values Consistent Reliable, predictable and decent Secure Stable, long term, reciprocative to your actions Powerful Attainment of resources, social currency and knowledge Ambitious Focus on personal competence and achievement Enjoyable Entertaining, amusing and appealing Exciting Short-term novel experience 1 2 3 4 5
  28. 28. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 What would you like them to value? Self-Directed Self-set goals Universal Balances everyone’s needs and values Tribal Champions specific communities needs and values Consistent Reliable, predictable and decent Secure Stable, long term, reciprocative to your actions Powerful Attainment of resources, social currency and knowledge Ambitious Focus on personal competence and achievement Enjoyable Entertaining, amusing and appealing Exciting Short-term novel experience 1 2 3 4 5
  29. 29. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Ideal Relationship Self-Directed Self-set goals Universal Balances everyone’s needs and values Tribal Champions specific communities needs and values Consistent Reliable, predictable and decent Secure Stable, long term, reciprocative to your actions Powerful Attainment of resources, social currency and knowledge Ambitious Focus on personal competence and achievement Enjoyable Entertaining, amusing and appealing Exciting Short-term novel experience 1 2 3 4 5
  30. 30. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Be LESS self-directed & powerful Self-Directed Self-set goals Powerful Attainment of resources, social currency and knowledge 1 2 3 4 5
  31. 31. Rosie Trudgen & Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Be MORE consistant secure Consistent Reliable, predictable and decent Secure Stable, long term, reciprocative to your actions 1 2 3 4 5
  32. 32. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Be MORE altruistic Universal Balances everyone’s needs and values Tribal Champions specific communities needs and values 1 2 3 4 5
  33. 33. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Be MORE enjoyable Ambitious Focus on personal competence and achievement Enjoyable Entertaining, amusing and appealing Exciting Short-term novel experience 1 2 3 4 5
  34. 34. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Relationship Hygienic
  35. 35. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Relationship Mutually beneficial Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  36. 36. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 FORESIGHT METHODS 2. Future World Identify future opportunities and threats within the industry
  37. 37. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Weak Signals 1 2 3 4 Signal Strength Time Mainstream Awareness Signal
  38. 38. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 1. Apple Health Kit and Nike+ are now gaining an insight into our health.¹ 2. Financial apps like Simple are al- ready changing spending and saving behaviours of users. Data Control Collaboration Since the creation of the club card and other loyalty schemes, companies like Tesco have had access to your spending data and as a consequence your health data.¹ They can even calculate how many calories you are eating due to the food you choose. They also offer health insurance, so how does your food choice in store affect your health insurance? Beyond the realms of health, what if companies can suggest to us a different way of behaving. And if the purpose of big data is to help customers, where is the line drawn between suggestion and telling?² 1.”Big Mother is Watching You” Anne Helen Petersen, Buzzfeed, Jan 2015 2.”Big Data: Big Brother or Big Mother?” David Holzer, Digital Health Blog, 2015 It‘s Your Data SOURCES KEYWORDS INDICATOR GROUP S NEAR 2016 Big Mother Companies starting to parent us. S NEAR 2016 Big Mother Companies starting to parent us. EXPLANATION 1. Apple Health Kit and Nike+ are now gaining an insight into our health.¹ 2. Financial apps like Simple are al- ready changing spending and saving behaviours of users. Data Control Collaboration Since the creation of the club card and other loyalty schemes, companies like Tesco have had access to your spending data and as a consequence your health data.¹ They can even calculate how many calories you are eating due to the food you choose. They also offer health insurance, so how does your food choice in store affect your health insurance? Beyond the realms of health, what if companies can suggest to us a different way of behaving. And if the purpose of big data is to help customers, where is the line drawn between suggestion and telling?² 1.”Big Mother is Watching You” Anne Helen Petersen, Buzzfeed, Jan 2015 2.”Big Data: Big Brother or Big Mother?” David Holzer, Digital Health Blog, 2015 It‘s Your Data SOURCES KEYWORDS INDICATOR GROUP S NEAR 2016 Big Mother Companies starting to parent us. S NEAR 2016 Big Mother Companies starting to parent us. EXPLANATION STEP Cards 1 2 3 4
  39. 39. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Future World 1 2 3 4
  40. 40. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Future World 1 2 3 4
  41. 41. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Blockchain Currency: Small Simple TO Widespread Threat: Banks core offerings of storing money and identification becomes obsolete. Opportunity: Blockchain is a shared ledger to document anything of value. Threats Opportunities 1 2 3 4
  42. 42. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Trade: Globalism TO Localism Threat: Bank not agile enough to respond to policy and remains globalised. People switch banks. Opportunity: Bank strengthens Government policy and becomes more localised. Threats Opportunities 1 2 3 4
  43. 43. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 PROVOTYPES 3. Future Services Provotypes test relevance and usefulness of future services
  44. 44. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 VOICE VAULT Test: Voice Vault artifact.
  45. 45. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 PROVOTYPE Scenario: Government moves to secure local economies Trace Visualises how money moves around the economy
  46. 46. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 ...I would question why the bank would offer a service like this. - User-testing participant, 2016
  47. 47. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 PROVOTYPE Scenario: CSR to the core and widespread blockchain use Blockchain Account Builder Customers can choose which future financial services they would like to connect with their block chain information. Each service aims to address a future need with mutually beneficial business models.
  48. 48. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 PROVOTYPE CONCEPT
  49. 49. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Future Lending Service Transparent lending by showing the value of all your (non-monetary) assets, clearly communicating if you have the means to borrow something and the time required to pay it back. PROVOTYPE CONCEPT
  50. 50. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 I'm always scared of getting into a situation I can't get out of. This is smoother, fairer and personal. Charles, user-testing participant, 2016 Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  51. 51. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Impact: RBS
  52. 52. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 “We have made heavy use of the world poster describing the UK in 2025... to remind people of the broad range of developments and trends that influence how customers think and act and to take a broader view of external factors when considering new solutions.” Brian Cooper, RBS UX Design Manager, May 2017, excerpt from Service Design Award 2017 client validation
  53. 53. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 + Embedding user-centred design and foresight + Solutions more user-centred + Extended design timeframes + External trends, opportunities and threats considered
  54. 54. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Impact: GSA
  55. 55. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 “I have disseminated specific methods within other Product Design years within the Undergraduate Programme... this model could define new forms of Industry-academic collaboration and exchange… the model is also being used to inform strategic projects and development within GSA.” Kirsty Ross, GSA Lecturer in Product Design, May 2017, excerpt from Service Design Award 2017 client validation
  56. 56. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 + Approach taught in undergraduate design degree courses + Benchmark academic-industry collaboration + Enriching partnership established + Direct development of outcomes
  57. 57. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Reflections Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 1. Understand constraints 2. Clarify objectives and next steps 3. Internal ‘champions’ key 4. Evidenced value, cases and stories needed 5. Collaborate on strategic level with senior management and executives
  58. 58. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018 Thank you Rosie Trudgen Eloise Smith-Foster Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 30 min talk 25.04.2018
  59. 59. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 45 min workshop 25.04.2018 Talk Hands on Foresight service industry Case study: insights methodology Explore future of banking for Finland using futures methods ADGENDA
  60. 60. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 45 min workshop 25.04.2018 UK Finland AGENDA Future financial services for Finland in 2025
  61. 61. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 45 min workshop 25.04.2018 PROCESS 1 2 3 4 STEP Cards Future World Threats Opportunities Draft Provotype Trends that will influence finance in Finland in 2025 Scenarios that will occur as a result Identify areas to explore Future services
  62. 62. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 45 min workshop 25.04.2018 1. 10% of estimated $400bn of remittances sent to developing countries by citizens working abroad each year in the last 12 months 2. Unicoin, Unicef: case study Transparency Social Good Empower Cryptocurrencies have the potential to overhaul how we receive, hold and transfer value through a plethora of applications. We have already began to explore the possibility of creating purely social currency which could only be spent on projects aiming to achieve social good. New online currencies could also be the answer to charities becoming more transparent over how they spend donations, because of it‘s traceable nature. 1. Giving a bit(coin): cryptocurrency and philanthropy, 2013 2. Unicoin, Sustainability.org, 2015 New Values SOURCES KEYWORDS INDICATOR GROUP P NOW 2014 Cryptocurrencies Championing ideologies EXPLANATION P PAST 2014 Cryptocurrencies Championing ideologies Step cards TASK 1 A card which summarises and visually communicates research insights into a trend. These categorise insights into four societal viewpoints: social, technological, economic and political. Description Weak signals Sources Social, political, economic or technological influence Visual Date Caption Timeframe: Past, now, near, future
  63. 63. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 45 min workshop 25.04.2018 Create a STEP card using trends you are aware of that will or have influenced finance in Finland. TASK 1 5 Mins Independently TitleSTEP Sketch Date Caption Timeframe
  64. 64. Rosie Trudgen Eloise Smith-Foster @eloisesmithfost The Untapped Potential of Future Foresight #hkisdnc18 @SDN_Finland 45 min workshop 25.04.2018 Share your STEP cards with your group. Discuss the associations and conflicts through clustering. TASK 1 5 Mins Team TitleSTEP Sketch Date Caption Timeframe TitleSTEP Sketch Date Caption Timeframe TitleSTEP Sketch Date Caption Timeframe TitleSTEP Sketch Caption

    Soyez le premier à commenter

    Identifiez-vous pour voir les commentaires

  • fabricioastua

    May. 6, 2018
  • nextluxe

    May. 7, 2018
  • AnnaEHaverinen

    May. 7, 2018
  • LaurentChristoph

    May. 18, 2018
  • Malalmeri6

    Jul. 19, 2019
  • kawachimasafumi

    Mar. 25, 2021

Eloise Smith-Foster & Rosie Trudgen - The Untapped Potential of Future Foresight

Vues

Nombre de vues

4 135

Sur Slideshare

0

À partir des intégrations

0

Nombre d'intégrations

3 310

Actions

Téléchargements

56

Partages

0

Commentaires

0

Mentions J'aime

6

×