Money works differently in communities traditionally excluded from formal banking, which makes designing products that really serve their needs a very different kind of challenge. People who live in the last mile often prefer cash because it’s physical. They can see it, touch it, and access it at any time.

While digital money offers many benefits, such as securely sending money over long distances and accessing new forms of credit, many don’t trust it because the places where they can access digital currency have often been too far away.

In 2017, over 500 million adults lived more than three miles from a financial access point in eight emerging markets studied by the Gates Foundation. This may not sound like much of a barrier, but for those living in the last mile, it means having to close their shops, lose a day of earnings, arrange family care, and pay for travel, which can be time-consuming and difficult, especially during rainy seasons. For low-income people, the inaccessibility of financial services has been a deal-breaker for adopting digital money. On the flip side, banks, telecoms, and other companies struggled to reach these customers because their products were not inclusively designed for them, and their distribution models failed to scale in rural areas.

Amid these myriad challenges, IDEO and the Gates Foundation saw an opportunity to introduce innovative ways to provide access to digital financial services even in the most remote areas of the world. And to make bold new bets: Could we design new digital experiences centered around the financial needs of people in the last mile? What would happen if we mobilized hundreds of actors to develop new ways to address financial access at the last mile? What if we took the most exciting financial innovations that worked in East Africa and piloted them in South Asia—and vice versa?

Working with more than 70 partners, including local startups, corporations, including Google, Unilever, Telenor, Standard Chartered, and BNI, as well as IDEO.org’s Women & Money program, LMM adopted a collaborative, ecosystem approach to drive and scale new digital financial products and systems.

A few of the life-changing innovations launched by LMM and its partners include:

• Finja’s intuitive small-business app that helps micro-merchants in Pakistan access flexible, interest-avoiding Islamic credit  to order products from fast-moving consumer goods companies like Unilever. Finja now serves 45,000 merchants and reaches 10.2 million customers.
  ‍
• Accessing government benefits can be a challenge, especially when it’s through a mobile phone, so IDEO helped Indian startup Haqdarshak develop a robust digital experience for its 52,000 community agents to facilitate access for low-income people. The agent network—70 percent of whom are women—now serves more than 7.6 million families and has unlocked $2.2 billion in social benefits for those who need it most.
  ‍
• Making micro-credit nearly instantaneous was a solution that startup Kuunda offered to financial agents in Tanzania. IDEO helped adapt the product to deliver working capital for merchants in Pakistan. Today, Kuunda continues to grow across markets in Africa, totaling 6.1 million active users and distributing $1.1 billion in loans globally.   

While the LMM program officially concluded in 2024, lessons, tools, and case studies from the program are accessible on IDEO’s Financial Futures website. Those looking to catalyze equity and inclusion in digital financial services for the last mile can consult LMM’s Financial Confidence Playbook, the open-source Digital Confidence Toolkit (created in collaboration with Google), or the Gender Evaluation Framework, among other helpful resources.

‍

Over 1.3 billion people worldwide in poor and rural areas are excluded from formal financial services, including savings accounts, credit lines, and insurance, making it harder for them to move out of poverty.

34M

underserved users reached by 100+ new financial products, pilots, and prototypes

70+ LMM partners

including Google, Unilever, Grab, Standard Chartered, Cargill, Airtel, Celo Foundation, and BNI

‍

Multinational CPGs excel at creating popular, mass-market products for large countries. When they enter smaller countries like Peru, they often parachute their brands onto store shelves and skip consumer product testing altogether, largely relying on brand recognition to drive sales. This oversight presented Alicorp and IDEO with an opportunity: flip the script and invite young Peruvian women to work together with them to create a new hair care brand from scratch. Over the course of a four-year transformational journey, IDEO worked closely with Alicorp, adopting a “learn by doing” approach to foster a culture of innovation, launch a new brand, and drive growth for the company through consumer-centric design.

The collaboration began with an inspirational trip 10,000 miles away to Seoul, South Korea, the epicenter of global beauty trends. To expand their thinking, the Alicorp/IDEO team received K-Pop glow-ups and explored other cutting-edge beauty experiences. They were inspired by the Korean market’s unwavering focus on meeting the particular hair care and skin needs of Korean women.

Back in Peru, the team conducted multiple rounds of in-depth interviews with young women, teenagers, beauty influencers, and experts across the country. They learned about their beauty goals, personal care routines, and “mixto” hair texture. They heard about women’s struggles with regional weather—the Andean region’s extreme dryness versus Lima’s humidity and the city’s hard water. The research revealed that Peruvian women wanted natural products that worked hard, wouldn’t harm their hair, and celebrated what made them unique. They wanted a brand that spoke to them honestly and authentically. That represented and empowered them. That didn’t overpromise, underdeliver, or hold up European and American beauty ideals that didn't resonate with Latin American women like the multinationals did.

Armed with these insights, the Alicorp/IDEO team developed tangible brand prototypes for women to respond to during successive rounds of user research, including in a beauty pop-up store in Lima. The team shared various bottle types, ingredient mixtures, and brand positioning options. Should the new brand’s personality be an outspoken feminist or a gal pal? Au naturel or sophisticated? The iterative feedback cycles informed everything from brand strategy and ingredient recommendations to product line-up, brand and product naming, launch strategy, and digital activations.

The final design, Amarás (“you will love”), is a personal care line that centers the needs and aspirations of Peruvian women. Hitting shelves in 2022, its shampoos and conditioners feature local, bio-diverse ingredients, including mangoes, macadamia nuts, and goldenberries, that help address the specific hair texture needs of women in LATAM and the climate realities of the Andean region. The brand’s launch campaign included TV and print ads featuring Peruvian models from every region as well as commissioned murals celebrating local beauty by artists across Peru. Most notably, the unapologetically authentic Peruvian hair care brand became a TikTok sensation, garnering over seven million organic views and more than 300 viral videos from enthusiastic new fans.

Three months after its launch, Amarás seized a 7.5 percent share of the personal care aisle—a remarkable goal it had set for year three.Since then, Alicorp has continued to expand its creative capabilities, designing personal care products tailored to the cultural and beauty needs of Latin American consumers.

Alicorp launched numerous successful brand extensions across its food and home care categories, but was unable to crack the $340M USD hair care product market in its home country of Peru.

7.5%

Amarás’ share of the Peruvian hair care market 3 months after launch—a goal Alicorp had set for year 3

7M+ organic views and 300+ organic fan videos

created on TikTok during Amarás’  launch campaign

Thirty years ago, China-based Jack Technology started as a home sewing machine manufacturer. A decade ago, the innovative global leader began investing in robotics and exploring AI, a decision that positioned it well to address today’s urgent need for smarter manufacturing solutions.

Believing that a new, strategically positioned sub-brand could draw in larger, more premium global manufacturing customers, Jack Technology and IDEO set out to understand their needs. IDEO began by visiting more than a dozen garment factories across China, Vietnam, and Bangladesh, conducting in-depth interviews with factory managers, industrial engineers, pattern-making leaders, and frontline workers. It soon became clear: the apparel manufacturing industry is at a critical juncture. The way apparel manufacturers navigate the promises of intelligent technology—while addressing deep-rooted structural issues like labor shortages and working conditions—will shape the industry's development for years to come.

For premium clothing brands, garment factory compliance and worker well-being are priorities when selecting production partners, so many owners proudly showcased their improvement efforts. They discussed investing in quieter machines and air conditioning, enhancing lighting, adding greenery, and implementing no-overtime policies. Amid rows of identical sewing stations, the IDEO team noticed small human gestures, such as a small vase of flowers. As one operator said, “I just want to uplift myself during work.”

The research helped IDEO identify a core opportunity for differentiation. Create human-centered products and services that further enhance working conditions in large apparel factories, strengthen their ability to attract and retain talent, and drive the industry toward a more sustainable future. Through multiple rounds of co-creation with the Jack Technology team and key apparel-sector stakeholders, a clear brand direction for Aitu began to take shape: “Smart Machines, Uplifting People.”

Guided by this human-centered ethos, IDEO helped build a comprehensive brand system for Aitu. The idea of “uplifting people” and showcasing garment workers’ professionalism and skill is expressed throughout all brand communications, the industrial design of its smart sewing machines, and the interaction and industrial design of a humanoid sewing robot.

In the eyes of factory workers, this is the new work experience Aitu brings to life. Compared with traditional bulky industrial machinery, the clean lines and soft edges of Aitu’s new AI-powered sewing machines feel more like the professional office tools found in bright, organized workplaces. Concave surfaces and soft materials diffuse glare from overhead lighting, reducing eye strain, while clear interaction logic and icon-based visuals accommodate operators with varying levels of skill and education. AI technology, seamlessly embedded in the machine’s core functions, automatically adjusts parameters for different fabrics and tasks, allowing operators to achieve high-precision results with less effort. A soft halo-like light glows whenever the AI-assisted function is active, fostering users’ trust in both the technology and the AI-powered sewing machine as a whole. When hundreds or thousands of Aitu machines are arranged together in a factory, the overall effect is a modern, professional, and high-end work environment.

Working closely with Aitu’s robotics team, IDEO’s final design challenge was to bring a human-machine collaboration to life through a full-scale AI robot, AI10. The robot has an elegant, biomimetic silhouette. Its fabric-like outer finish features design elements commonly found in garment making, such as cutting and stitching lines, giving the robot the approachable look and the feel of a skilled tailor companion who can assist with simple, repetitive tasks. When AI10 is in operation, a circular light ring gently pulses at the sides of the robot’s ears as well as on the paired sewing machine’s display screen, clearly signaling the robot’s activity to its human co-workers.

In September 2025, Jack Technology debuted its new Aitu brand, along with its first AI sewing machine and a humanoid robot prototype, at a launch event at Shanghai Tower and at the China International Sewing Machine & Accessories Show. IFA Berlin, Europe’s largest trade show for consumer electronics, honored Aitu with a Gold Award for AI Product Innovation for seamlessly integrating AI technology and industrial design. Jack Technology’s humanoid robot is expected to go into full-scale production in 2026.

Before AI, the apparel manufacturing industry had experienced little fundamental change since the invention of the lockstitch sewing machine nearly two centuries ago.

2025 Gold Award for AI Product Innovation

from IFA, the world’s largest home and consumer tech event

Alicorp has direct operations in Peru, Bolivia, Ecuador, and Chile, manages export operations in more than 30 countries, and oversees over 150 brands. While its AlaCena sauces are ubiquitous in South America, the brand’s North American market primarily consisted of purchases made via Amazon by Peruvians living abroad. To help the CPG giant expand meaningfully and sustainably onto US grocery shelves—and achieve its ambitious $50 million retail sales goal in five years—Alicorp and IDEO collaborated on multiple projects over a two-year period. The partnership began in early 2020 with consumer research and product strategy, ultimately leading to the development of initial product branding, positioning for launch, and an in-market pilot in late 2021.

‍‍Through a combination of large-scale digital surveys and in-depth, in-person and remote research interviews, IDEO discovered that AlaCena’s Tari and Uchucuta’s hot sauce recipes resonated the most with US consumers. Made from native Aji Amarillo and Rocoto chili peppers ground using a traditional Andean “batán” technique, consumers appreciated their complex flavors and enjoyed how they enhanced, not overpowered, everyday foods like burgers and fries. The sauces’ authentic Peruvian culinary roots were also a key differentiator. In addition to consumers, IDEO consulted with industry experts—including executives from large-scale grocery chains and chief merchants of leading big-box stores—to explore retail and marketing trends and identify potential innovation partners for Alicorp in the US.

Based on the research, IDEO recommended a few changes to ensure a successful launch: Lead with the Tari brand, which was the most memorable and easiest to pronounce, and position it as an “everything sauce.” Change the packaging from a large plastic pouch to a smaller squeeze bottle to better align with consumers’ expectations and stand out on the inside of refrigerator doors. Adjust the product formulation to appeal to mainstream consumers looking for cleaner labels. And visually celebrate Tari’s Peruvian roots through bright colors, traditional textiles, and a llama, an animal closely associated with the Andes Mountains. In addition to these recommendations, IDEO provided a comprehensive go-to-market retail strategy that included potential US regions for launch, retail brokers, distributors, manufacturers, and R&D and pilot retail lab partners, as well as job descriptions for a new North American-based sales team.

While Alicorp worked on reformulation and packaging strategies, IDEO refined Tari’s initial branding strategy. Steeped in Peruvian aesthetics, the brand’s new look and feel featured a vibrant color palette, geometric patterns, and—of course—a friendly llama icon, which could also be found on all in-store point-of-sale items IDEO designed for Tari's pilot launch in late 2021.

The successful 12-week in-market pilot in Tom Thumb grocery stores gave Alicorp the confidence to have its in-house design team make the brand even bolder and more eye catching, and to launch two flavors, Amarillo Pepper and Rocoto Pepper, on Amazon and in over 50 retail stores in late 2024.

Since then, the popular sauces consistently rank among the top 50 percent of the fastest-selling products on US shelves, with 80 percent of sales revenue representing new business. In 2025, Tari expanded its offerings with three additional flavors: Zesty Verde, Tropical Kick, and Smoky Heat. Today, Tari is in transit to 3,000 major grocery stores, including Wegmans, Meijer, Central Market, and The Fresh Market, as well as available for purchase on Amazon.

Alicorp had a vision to expand its beloved and delicious hot sauces to the US market, but needed help fine-tuning the brand and product for an American audience.

3,000

major US grocers, including Wegmans and Meijer, have signed on to sell Tari hot sauces

80%

of Tari’s sales revenue represents new business, a significant expansion of the overall category

Ranked in the top 50%

of the fastest-selling products on US grocery shelves

He outlined his thesis, built over many years of creative problem solving: Almost any creative endeavor can produce an output–a digital experience, a new brand, a physical product, a reimagined service–but the quality of that output is wholly dependent on how we frame and examine the problem it’s meant to solve. For years, his thinking has stuck with me: Obsess over the question. Questions are a tool to guide our thinking, and, to address the biggest, gnarliest challenges facing society today, we need to think in radically new ways.

Questions can serve two purposes: They can open our apertures, allowing us to uncover new approaches to familiar problems, or they can focus our efforts by providing clarifying constraints on formidable challenges. In both cases, a well-crafted question allows you to examine a problem in new ways, stress-testing potential solutions to ensure innovation is successful and doesn’t fall into a trap.

Across our interactions at IDEO–in our health portfolio and beyond–we encounter organizations looking for answers to the most critical challenges that they are facing, and, in response, many groups purporting to have the answers. AI products that will “unleash the power of your workforce,” digital solutions that will “fix your patient experience,” or elixirs that will magically cure every conceivable ailment hindering your organization today. But, when you are holding a hammer, everything looks like a nail. And when organizations start with solutions, the impact of their innovation efforts will be at best limited, and at worst, will completely miss the mark, squandering opportunities and investments.

So, when faced with a daunting challenge, jumping to solutions with “guaranteed” results can look attractive, but doing so may very well limit you to what is possible right now. The questions we ask are a starting point to allow us to envision beyond today, unlocking new solutions to the toughest problems.

Recent history in digital health serves as an excellent example of solutions looking for problems. While “digital health” is now an established term, we are yet to realize the value of a decade’s worth of the progress it promised. To date, even the most future-facing digital health initiatives have been focused on gathering data to drive efficiency or improving costs by outsourcing to digitized solutions. But the true value of digitized health will come when we find the meaning in the data that we gather. It will fuel more integrated health services that fit it into the ways we experience our own health and improve both quality of life and outcomes. Technology for technology's sake will not advance this cause, but digging into genuine problems and asking how our emerging technologies can enable us to innovate in genuine, human-centric ways will. 

By reframing the problem in the first place, we may land on better solutions. How might we enable people to live healthier lives before they find themselves requiring clinical care? How might we enable better collaboration across sectors to transform into the health systems we need for the next generation? How do we leverage human expertise alongside AI? Individual technologies will not be the answer; they will be enablers within a system redesigned with these considerations in mind. 

The opportunity in healthcare is keenly illustrated by developments in the financial sector. Startups and challenger brands have used human-centered innovation to disrupt incumbents in a highly-regulated space by transforming the customer experience. The resulting reset of market share has forced the established financial institutions to elevate their own customer experience to keep pace with these new entrants, accelerating innovation and investment. With the global healthcare industry attracting spending comparable to the annual GDP of a small country, it is only a matter of time before disruptors come along and rip up the existing healthcare rule book. Because if large incumbent brands don’t innovate, someone else will. 

In healthcare and beyond, many organizations acknowledge that AI will be a significant part of their future success, but—to change the question again: What do humans in the experience deem desirable? How should the experience be elevated? What value might new, emerging technologies unlock? 

The answers may lie outside of traditional healthcare itself. The industry doesn't exist in isolation. It’s heavily influenced by politics, policy, geography, and climate, and it is deeply integrated with other parts of our daily lives.  Today, the health of people, communities, and our planet are inextricably linked. To understand just how interconnected they are, consider the following facts: 80 percent of health outcomes globally are driven by non-clinical factors–the environmental conditions in which people are born, grow, work, live and age. And at the same time, healthcare is responsible for 10 percent of global material extractions and 4.4 percent of emissions, contributing significantly to the very environmental issues that are increasingly impacting human health.

With both the healthcare system and the planet under such extreme pressure, small changes are not the basis of a winning strategy. If we are able to frame the right questions, we might be able to shift the preconceived constraints that exist today and create better systems, experiences, and solutions that address real human needs for the future. 

If you take a hard look around healthcare, you’ll see many solutions, but few that address those big, gnarly challenges. And yet, the need has never been greater. Organizations of every size should carefully examine the questions guiding their efforts: Is this solution solving a genuine problem? Are we placing people at the heart of our solutions? Is the innovation effort set up for success? 

If the answer is no, then the first step is to go back to the problem and ask: Do you have a great question that your innovation efforts are trying to answer? Does it represent the humans in the experience? Is it oriented around an outcome? Does it acknowledge the wider context? And is it broad enough to represent a number of possible futures, while being constrained enough to make meaningful progress?

With ever-increasing societal and commercial pressures, now is the moment to radically rethink our broken health systems. It’s a huge job, but there’s an easy place to start: Ask the right questions. 

Exploring how to innovate in new ways? We would love to chat.

‍

‍

One of the most impactful lectures I had in my early years of design training was from a professor who sought to reframe the purpose of design.

It will shift from something physical in our pockets to a seamless layer embedded in every service. Financial tools will be hyper-personalized and smarter thanks to AI. This will benefit everyone, but it will have the most positive impact on those in the last mile: low-income people in emerging markets, women, and rural communities. Businesses will benefit, too. Tapping into billions of underserved customers will unlock growth. All these factors make a more inclusive future of money not just long overdue, but also inevitable.

For the past five years, IDEO has been exploring what’s possible for the future of finance with Last Mile Money, an innovation program that accelerates new financial products for those who traditionally have been excluded from financial systems. We’ve worked with partners to launch more than 100 pilots, prototypes, and products to connect them e with better financial options. Now, we’re sharing the lessons we’ve learned in advancing inclusion, gender equity, and the digital economy. And we’re inviting the global finance community to learn, replicate, and scale our innovations—or to come up with even better ones. 

A big part of this work has been looking closely at the signals that tell us what the future of finance will look like. And over the next 10 years, we predict three seismic changes in the world of money:  

#1. Women will be at the center of finance.

Digital products will be built for women, not adapted to include them. 

Women are underserved by the world of money. One-third of women in emerging markets do not have a formal bank account, excluding them from high-quality options to save, grow a business, or plan for their family’s future. Meanwhile, businesses are missing out on billions of customers, and many are realizing they must change: They need to center women’s financial needs, not only to be more inclusive, but for their own growth.

In Pakistan, the global consumer-goods company Unilever launched Guddi Bajis, a program for rural women to earn a living by delivering household goods to other women’s homes. IDEO worked with Unilever and the startup Finja to design a digital experience for these women that was culturally-sensitive and optimized for first-time internet users. These digital Guddi Bajis were able to grow their businesses by leveraging smartphones, digital payments, and credit—often for the first time. And to great sucess: They reported up to a five-fold increase in income after accessing digital credit. Not only were these female agents able to earn and increase their own livelihood, the program  also benefitted their customers—women in their communities.

Future #2. The last mile will be no mile at all.

The last mile will not be defined by location, but by network access. 

Historically, geography has been a big determinant of who can participate in financial systems. People living in very rural areas in less developed countries were simply left out. But as internet connectivity spreads into more corners of the globe and the digital economy enables work from anywhere, the line between urban and rural will no longer decide prosperity. Instead, it will be determined by how active and connected we are in digital networks. And what may seem like unexpected partnerships today will set the norm for how businesses reach the new last mile of people tomorrow. 

Our team saw this in action in Indonesia where global food company Cargill had a problem sending payments to cocoa farmers in rural areas. So, we brought in Grab, a major tech company behind an e-commerce app where farmers could sign up as agents to facilitate payments on its platform. Now, payments that used to take seven months get to farmers in only 10 days, boosting satisfaction with Cargill. And rural agents actually performed 111 percent better than agents in small cities, exceeding a target for gross merchandise value, according to Grab data. Better yet, the “star agents” turned out to be women who had strong ties in their rural communities and were active in social-commerce networks. This effort was so promising that Grab is scaling the model among women merchants and drivers elsewhere in Indonesia, bringing digital livelihoods to more underserved people regardless of geography. 

Future #3. Financial services will be invisible.

Our everyday lives will be enabled by a seamless layer of AI-driven, embedded finance.

As our lives become ever more digital, finance is becoming just another layer of daily life, seamless and embedded. We’ve seen this with apps offering personalized financial guidance, automated investing, and credit when we’re online shopping. Now it’s happening for the rest of the world. 

In Tanzania, when merchants run short of funds, they can get instant credit so their sales aren’t interrupted. This is thanks to Kuunda Digital’s automatic service that pre-qualifies merchants and makes accepting credit as easy as responding to a text message. Even small amounts of capital delivered just-in-time have helped merchants earn more revenue and lifted transaction volumes for banks and telcos. With support from IDEO, Kuunda brought this embedded-finance solution to new markets. Globally, Kuunda has scaled to 6.1 million active users and has distributed $1 billion in loans.

Already, we’re seeing signs that these shifts are beginning to take place. But more importantly, folks at the last mile are really beginning to feel them in their own lives and communities. A decade from now, these seismic changes won’t even feel new. And we invite everyone in this space, from startups to behemoths of finance, to help build the tools and pathways to make that happen. 

Learn more at Financial Futures, where we explore what’s possible for the future of the last mile.

‍

‍

In the year 2034, money will work dramatically differently than it does today.

As I swam, in a meditative cycle of inhale and exhale, I was deep in my brain, totally engaged, thinking about the project I’m working on as part of my fellowship with the Aspen Institute. That’s when I realized just how well-designed this fellowship is. And I should know. I design fellowships for a living.

The First Movers Fellowship is part of the Business and Society Program at the Aspen Institute, a non-profit organization committed to realizing a free, just, and equitable society. Since its founding, the Institute has worked to drive change through dialogue, leadership, and action in communities at home and around the world. 

Back in 2009, Nancy McGaw, author of Making Work Matter, designed the fellowship with her team and some help from IDEO. The idea behind the program is to advance “social intrapreneurship” within organizations; aka to drive social impact goals alongside business goals. Because, as McGaw put it in her book, “There is increased urgency in companies to adapt and innovate … with attention to the footprint they are leaving on communities and the planet.”

Now, a decade after I first heard about it, and four years since I first designed a fellowship, I’m a First Movers Fellow. My project is about centering and amplifying the practice of inclusive/responsible design at IDEO. I am so lucky to get the chance to be a part of this amazing cohort, and also part of IDEO’s history with the program. (In 2009, Jocelyn Wyatt, former CEO of IDEO.org, was a fellow working on a project that soon became IDEO.org itself. A few years ago, Michelle Lee partnered with toymakers and external organizations to help drive digital experiences that can help people thrive. Pretty big shoes to fill.)

Already, I am learning so much from the other fellows and the curriculum. But as a fellowship designer, I am also relishing the details and intentional design that creates truly transformative experiences. Here are some core principles that can make a fellowship genuinely great. 

‍Seeing eye to eye (literally)

It’s important to design fellowships to ease folks into new spaces—and meeting new people—with care.  Groups bond more quickly when facilitators break up mass conversation into smaller groups and randomize them, to get everyone to talk to everyone. When I met with the Aspen Fellows for the first time, we sat around a circular table, where everyone could look at each other. (There is even a circular building on the Aspen Institute campus specifically for this purpose.) It made a surprisingly big impact. And there were no fancy titles on our nametags—just our first and last names. (And pronouns. Which may have been on my behalf, and I really appreciated it.) 

At a retreat I helped design for the Earthshot Prize, Prince William’s environmental award, my team focused a lot of our time together on helping our fellows bond. We created peer groups, paired fellows up to go on walks with discussion prompts—we even had them make chocolate together. At dinner in Aspen, they scrambled our name tags every night, and gave us new conversation prompts to facilitate table-wide sharing. One night, they asked, “What’s one thing that your younger self would be proud of?” Which, at my table, had us talking about everything from chicken nuggets to the origins of our names—and yes, some of us cried. 

No tech at the table. Ever.

In the business world, we’re so used to using technology to be in multiple places at once. But how well do we show up in either place when we do that? On the first day in Aspen, they told us, “When you’re here, you’re here, and if you have to take a call or text someone, leave the room. The table is a sacred place for presence and connection.”

Draconian, maybe, but I can’t tell you how productive I felt while we had our phones turned off, how-in-the-moment and engaged I remained. It works. And everyone should enforce it more: at fellowships, at conferences, even on daily standup meetings. Presence is powerful. 

Nature AND nurture

Many fellowships are held at naturally beautiful places, and there is really something to it. Being in nature helps people breathe more deeply, and allows nervous systems to calm down, especially for city dwellers so used to the sounds of buses and 4 a.m. trash hauling. It’s actually something people have asked for in every fellowship I’ve ever worked on, and for climate activists, scientists, and organizers, it’s also a deeper connection to their work to save the planet.   

At The Rockefeller Big Bets Climate Fellowship, fellows meet at Bellagio, the foundation’s property tucked on the lush mountainous hillsides of Italy. It should be a part of every fellowship—because boy do fellows need it. (Don’t we all?) 

Roses are red. Tears are blue. Reflection makes people vulnerable, too.

The First Movers Fellowship is designed around four pillars: community, innovation, leadership, and reflection. As I read that last point, I was skeptical. When I was running fellowships and we were short on time, reflection was the first thing to go.

But the Aspen Institute holds it sacred. Every morning, we’d read a poem together as a group, and then reflect on it together. No matter how packed the schedule, or how busy the day ahead, we’d read a poem, journal, go slow, and stay quiet. It was an on-ramp to the day. And a beautifully deliberate design choice.

On the third day, they shared this poem, (which someone in my cohort aptly called a sermon). After three days of becoming more vulnerable and authentic together, half the room was sobbing, openly, loudly. This openness led to more sharing, more intimate conversations, and funnily enough— better advice for my project. Yes, we instantly felt closer, which had an impact on how we worked together.  

Read the room

As much as I valued poetry and reflection at Aspen, it is really important that fellowship designers keep their agendas dynamic, and adjust to the needs of the people in the room. At the Earthshot Prize retreat, we tried to make space for reflection—but we learned, it wasn’t what fellows needed most. While our sound bath activity was highly-attended, we swapped out our daily morning meditation moment to give fellows more transition time in the after-breakfast time slot. I loved writing and leading these nature-based visualizations, but loved giving the fellows that space to do what they wanted, even more. 

Free time frees the mind

When I looked at our schedule for the Aspen seminar, I was astonished to see big breaks every day. There were organized activities that folks could go do together, like hikes, gondola rides, and ice cream in downtown Aspen, but fellows could own their schedules. I swam each day, and really took reflection to heart. And every afternoon, I found myself coming back ravenous for the content and conversation, more engaged and more present. It seems counterintuitive, really, but those breaks made me work more. 

After the first year of the Earthshot Fellows retreat, we asked for feedback about the experience. One of the resounding themes was a call for “more time to just relax,” and “space to get to know each other outside of the content.” And we listened, adding it in the next year. 

It’s hard to solve big problems alone 

When I was being interviewed by a former Aspen fellow as part of the application process, they stressed over and over how important community and connection is for the success of the program. After only five days with the Aspen fellows, I felt so close to all of them—a crucial source of support in the fight to tackle big problems, like inclusive AI and research, menopause tech, indigenous farming support, equitable financial systems, to name a few. 

And creating intentional space for people to be vulnerable and honest about what they're going after —It's the only way to set them up to make true progress. And it’s the future vision that I’ll never stop designing for. 

A few weeks ago, in the middle of a Monday, I was slowly swimming laps in a beautiful saline pool just below the peaks of Aspen, away from my laptop and dings of Slack.

For years, our system has been grappling with ever-constricting constraints—low supply, high demand; increasing life expectancy; and escalating treatment costs. There’s no question that the healthcare landscape is at a critical juncture. As Ian Abbs, Managing Director of Guy's and St Thomas' hospitals in the UK, so eloquently articulated in Amsterdam last month, “Health care as we know it will end; change has to come."

But as we know well, big constraints and difficult conditions can be an incredible impetus for innovation. We now have remarkable new tools, therapies, and emerging technologies at our disposal. The potential to accelerate drug development has never been greater, and we amass more and more data every day. The organizations that take advantage of these opportunities and develop innovative solutions will be at the forefront of enormous value creation.

From the transformative potential of AI to the urgent need to rethink emergency medicine, here are the six key opportunity areas we took away from HLTH EU 2024 in Amsterdam. These areas have the potential to produce significant improvements in health outcomes and substantial advantages for organizations that bring them to life with a human-centered lens.

1. The promise of digital health is still waiting to be fulfilled

Ten years ago, digital health was poised to revolutionize healthcare. It was the promised future, the answer to the worst of our problems, and the route to better, healthier lives. Yet, despite such a clear need, its full potential remains untapped, focused instead on data collection, controlling costs, and optimizing for outdated systems

Digital health needs to shift its focus to the meaning behind the data, and how to better support patient and provider health. Remote care channels could extend the reach of doctors. Sensing technologies could enable whole-body care. Digital therapeutics could complement more traditional care. But realizing the potential of this space requires a deep understanding of the core needs and a mastery of digital channels.

Designers and digitally-fluent innovators will play a critical role in creating patient- and provider-centered, secure digital health solutions that improve patient outcomes and deliver on this decade-long promise.

2. AI will be transformative–if we are able to learn from the past

Artificial intelligence (AI) stands to revolutionize global healthcare systems; its potential spans from expediting drug development to increasing the efficacy of patient care. But only if we learn from the errors of digital health. 

Products that harness AI to interact with patients, collect more accurate data, and summarize medical histories and symptoms without time constraints could provide healthcare workers more time to focus on patient care, complex cases, and advancing their fields. Hospital administrators could use AI to create digital twins, aiding in patient assessment, disease mitigation, and treatment plans. And with an expected 20 percent increase in demand for care, but only a projected eight percent growth in workforce, AI could reduce the administrative burden by over 40 percent, making it a vital tool for the long-term sustainability of healthcare systems 

But these myriad applications need to be so much more than the latest cool tech, or a tool for operational efficiency. If we are able to demonstrate the genuine potential of the technology by placing the human experience at the center, we will enhance the healthcare experience and improve patient outcomes. But only if we avoid the missteps of the past.

3. Addressing burnout is crucial to the sustainability of health systems

The healthcare sector is facing workforce shortages and severe provider burnout, which was only worsened during the pressures of the COVID-19 pandemic. The shifting expectations of the next generations of healthcare workers—Millennials, Gen Z, and soon, Gen Alpha—make attracting and retaining healthcare professionals even more challenging, further straining availability of talent.

It is hard to be compassionate at work when your workplace doesn't have compassion for you. We need to center the experience of healthcare workers to address this crisis head-on. Healthcare organizations can create holistic approaches to staffing, leverage technology to support administrative tasks, become more purpose-driven to align with the values of a new generation of caregivers, and create authentic work environments that support the reasons younger generations get into healthcare. Designers have a unique role to play in envisioning and implementing solutions that not only alleviate burnout, but also reimagine the future of work in healthcare. 

4. How is women’s health not a more urgent priority?

Women make up more than 50 percent of the patient base and influence a significant share of healthcare spending and decisions, and yet women's health continues to be marginalized. Centuries of historical biases in medical research and clinical trials, along with more recent policy shifts, have resulted in a chronic a lack of understanding and funding, and an inability to effectively treat women.

This is fundamentally an issue of equity. Elevating women's health requires focused efforts to address these historical gaps, including increasing representation in clinical trials and prioritizing gender-specific research. The rise of health startups focused entirely on women is beginning to fill this void, but much more needs to be done.

By championing women's health initiatives, prioritizing better understanding the needs of women, and supporting female-led ventures in health, we can significantly improve care and counter these long-held biases. This not only enhances health outcomes, but also designs for the influence women have in healthcare decisions.

5. Data could change the whole game

The explosion of personalized data presents both an incredible opportunity and one of the most significant challenges in healthcare today. The question of who controls data—individuals, organizations, or government—remains unresolved. 

Healthcare urgently needs to find the appropriate balance of data use, and to do so at a human level. Personalized data should be owned by the patient. Carefully anonymized data needs to be shared for learning and improvement. And empowering people to understand and use health data remains an outsized opportunity for healthier living.

Designing systems that balance these valid concerns requires a collaborative effort across sectors to establish patient-centered solutions that treat and respect each patient today and tomorrow. Doing so will be the key to unlocking growth and scale.

‍

6. Emergency rooms cannot be the first mile of care

Emergency medicine has become the de-facto single point of entry into healthcare for many, rather than a safety-net, which is neither sustainable nor efficient. To improve outcomes and reduce costs, we need to radically rethink how and where patients best access care.

Innovative solutions, such as telehealth, community-based care, and better deployment of in-home services could radically improve care for chronic conditions. Meanwhile, strengthening public education to help people discern true emergencies can alleviate strain, and reimagining triage systems by integrating data when patients are en route to emergency rooms can improve speed and efficacy, creating a human connection between patients and healthcare practitioners in a way that meets patients in the context of their lives.

To do that, we’ll need to design for flexibility and resilience, and always place humans at the center of the experience, ensuring that emergency services can adapt to varying levels of demand while maintaining high standards of care.

The challenges we face are significant, but they also present unprecedented opportunities for transformation. By thinking radically about the role of technology, centering onthe human experience, and designing widely and inclusively, we can create healthcare systems that are more equitable, resilient, and sustainable. 

At IDEO, there’s nothing we love more than diving into the biggest, gnarliest challenges of an industry alongside leading experts. If you are interested in exploring these opportunities further or partnering with us to drive change in healthcare, get in touch.

Together, we can create a healthier future for all.

Globally, healthcare systems are under massive strain—and not just because of the lingering effects of Covid.

I help organizations cut through complexity by shaping how they show up, through brand strategy, identity, and storytelling.

Working at the intersection of brand and business, I bring an editorial eye and a bias toward making—turning ideas into tangible experiences that people can understand, trust, and believe in.

My work spans government, healthcare, financial services, media, and consumer goods, from launching Gen Z-focused ventures to building innovation labs and reimagining legacy brands. I relish moments of ambiguity and enjoy translating across teams, perspectives, and priorities to move ideas forward.

I started my career in editorial and digital design, shaping cross-platform experiences and identity systems in publishing and agency environments. That foundation still shapes how I work today: I’m detail-oriented, collaborative, and overreliant on the Oxford comma. I hold a BFA in Visual Communication from the School of the Art Institute of Chicago.

For 25 years, I've asked the same question: Who does this design exclude—and what are we going to do about it?

My work spans human-centered strategy, inclusive design, and qualitative research, with clients ranging from Microsoft, Google, and Verizon to the National Science Foundation, and San Francisco Unified School District.

Before IDEO, I taught elementary school in East Palo Alto and spent a decade doing design work with social service organizations—where I learned firsthand what it costs people when systems are built without them in mind.

I am currently writing User Error, a nonfiction book about digital access and the design decisions behind it. I live in Oakland, California.

‍

My expertise spans brand, communication, and product design across tech, education, the arts, and social impact.

I believe great work demands both high-level vision and obsessive attention to detail, and only happens through collaboration.

I bring an inclusive, hands-on approach and a deep understanding of business, which enables me to consistently deliver excellence while always asking why.

Before joining IDEO, I worked at the brand firms Pentagram and VSA Partners. I began my career as a designer, leading teams at the School of the Art Institute of Chicago and the Milwaukee Art Museum. I hold an MFA in graphic design from Maryland Institute College of Art and a BFA in communication design from the Milwaukee Institute of Art & Design, and have taught at some of the best design schools in the US.

I am responsible for IDEO’s long-term success in China and working with clients to use design as a tool to enable growth. Specifically, I have helped Chinese companies design holistic brand solutions through the development of their products, communication, services, and innovation teams, and I have helped multinationals expand their presence and influence in China.

I advise global leaders on developing China-led innovation and capabilities.

In over 15 years in IDEO Shanghai, I have worked on projects that use design to elevate the quality of the experience of healthcare products and services, streamline processes that increase productivity, create spaces and programs that promote and enable inclusive communities, and build next generation mobility solutions that are planet-positive.

Before joining IDEO, I worked at Philips Electronics and the Electrolux Group in Italy, the Netherlands, and Singapore on a number of breakthrough commercial products. I am a member of the Young President Organization in Shanghai.

Most AI products today are built for work—a space with clear problems and established systems. One founder noticed a gap: personal life is messier, harder to systematize, and mostly left behind by the AI boom. So she built Cue, a personal AI that lives inside iMessage and group chats, to go where the other tools haven't.

‍

In this episode, Becca Carroll, IDEO's Chief Strategy Officer, talks with Sida Li, co-founder and CEO of Shared Context Lab, about staying anchored to a human need while the technology around her keeps changing shape, why she treats her business model with the same rigor she'd bring to a product, and what it feels like to build a company at this particular, disorienting moment in AI.

‍

The conversation also gets into how Sida makes design decisions: the language Cue uses to describe itself, the tradeoffs behind building inside iMessage instead of a new app, and a real story about a business idea that didn’t pan out.

‍

This is the second in a two-part series profiling founders from IDEO's Startups-in-Residence program. The first conversation is with Johannes Seemann, founder of Sooner, on designing GenAI for the emotional side of money.

Most personal financial tools are built to run the numbers and optimize towards a budget. While that works for some, most people experience money as a lived relationship that does not neatly fit into a spreadsheet. Johannes Seemann and Becca Carroll discuss why money is emotional before it is mathematical, and what a human-centered approach to building a generative AI financial product looks like in practice.

Mina Seetharaman talks with Scott Shigeoka, author of Seek and Head of Curiosity Cultivation at the Eames Institute, about what distinguishes genuinely curious leadership from performative curiosity, how power dynamics shape curiosity, and why practicing curiosity can restore energy rather than drain it.

Mina Seetharaman talks with David Epstein, author of Inside the Box and Range, about why total freedom often produces average work, how leaders can design useful limits on purpose, and what organizations such as General Magic and Pixar reveal about the relationship between boundaries and creativity.