

Connecting the underserved to the digital economy
Designing inclusive digital financial services for the last mile.
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


Disrupting the beauty goliaths
How a new Peruvian brand overcame the odds—by design.
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


Enhancing garment worker well-being with AI
Introducing Aitu, “Smart Machines, Uplifting People.”
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


Helping Peru’s top hot sauce find US success
Introducing Tari, a flavorful new kick for everyday American foods.
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


Why You Should Get to Know Your Creative Alter Ego
How one designer's aha! moment helped him discover his bold signature style
Having already used acrylics, oil paints, graphite, and finally moving on to digital art, there was not much left to experiment with to broaden my artistic arsenal.
Or so I thought.
It was 25th of September, 2016, when my artistic alter ego was born. During that period of my life, I was searching for a way forward, having just returned from university without a job. I spent most of my time ideating and planning my next move.
That afternoon, I sat down to take a break and illustrate my state of mind. I started what was meant to be a 20-minute drawing session with a 0.5mm fine liner. That pen, plus an old notebook that I had used back in university, became my weapon of creativity.
When I was done, I had a character that I named “the relentless dreamer”—a tiny figure with a peculiar helmet that shielded his wandering heart from reality as he knew it, granting him the ability to see far beyond the clutches of a life he deemed to be limited. This tiny figure reminds me that it is crucial to be idealistic, ambitious, and forever creative.

Drawing this character gave me an emotional release unlike anything I had experienced before through art. Though I was often plagued with a sense of anxiety around what my drawings would mean or stand for, this time, I felt weightless.
I began focusing on these black and white ink drawings, and the experience was cathartic. Each one entwined with the stories that brought them to life. Even though most of the figures I drew were imaginary, I was taking my life and experiences and expressing them through my illustration. I would envision part of the figure in my mind and let the rest appear.


My intention was for viewers to move their eyes constantly as they looked for meaning in the drawing or simply made out the shapes.
Some of my work is dark, some full of mystery—a mystery I hoped that others would try solve as they navigate the intricacies of the line work.
Amidst all the visual chaos, there was one constant: A human element. The figures would serve as my connection to the pieces, and I hoped they would resonate with the audience, too.
These days, you will probably find me seated in the corner of a cafe with a fine liner pen. To many, I am just an artist, ardently sketching away. But what I’m actually doing is getting a little dose of sanity, as I move the images in my mind onto the pages of my book.
And in that very moment, I am dreaming… relentlessly.
Want to see what other IDEOers are drawing and doodling? Take a peek inside more designers' notebooks.
Two years ago, after spending most of my life mimicking artwork that appealed to me, I assumed that I had reached my artistic peak. I had been drawing since 1999. I still enjoyed working on portraits and surrealist compositions, but creatively, I felt stuck. After starting university, my product design work proved to be quite fulfilling, but my personal work was feeling uninspired.


Build Your Creative Confidence: Speed Dating
Creativity thrives amidst free-flowing social discourse. To get a roomful of strangers to innovate, you may want to begin by breaking down some social barriers.
Creativity Challenge # 6: Warm up a group
Creativity thrives amidst free-flowing social discourse. To get a roomful of strangers to innovate, you may want to begin by breaking down some social barriers. When this exercise is done right, the room will be abuzz with chatter and laughter, and participants will be more open to what comes next.
Tool: Speed Dating
Participants: Pairs in groups of any size
Time: 15-20 minutes total, 3 minutes per round
Supplies: Paper printed with a set of questions for each participant. Several different sets of questions will be needed to accommodate the entire group.
Instructions
Step 1: Give each person a list of open-ended questions. Several different sets of questions should be spread throughout tables in the room so that people aren’t continually being asked the same questions.
Examples of possible questions:
- How would your closest family members describe you?
- If you had a million Euros to spend in a way that benefits humanity, what would you do?
- What do you wish your parents had told you?
- What was a live performance or show you really loved, and why?
Step 2: Ask each person in the room to pair up with someone they don’t know very well or have never met. This may involve getting up and moving seats.
Step 3: Have one person in each pair ask a question from the list. Allow three minutes for the other person to answer.
Step 4: Have each pair switch roles and repeat, asking a different question on the list
Step 5: Tell everyone to find a new partner and repeat the process for a couple more rounds.
Tips from the field
You want to keep people moving to create a well-orchestrated round-robin. Be proactive about timekeeping. Assign someone to be a facilitator or timekeeper. To add a little fun, use a buzzer or gong to announce that time is up.
Depending on the nature of the working session that will follow the Speed Dating exercise, you can tailor some of the open-ended questions to be inspirational and loosely related to your topic. For example, if the objective of the meeting is to discuss the future of workspace for the organization, one of the prompts may be, “Describe an inspiring space you have worked in.”
Give a little thought to the type of questions you use. Meaning-of-life questions and superlative questions (the most, the best, the worst) can cause people to stall out or draw a blank. The whole purpose is interaction. So if your question stumps your partner for even a handful of seconds, it’s not quite right. Try the questions out on someone before you use them in a group setting.
If your group might be uncomfortable with an activity that includes the word “dating” in the title, call it Speed Meeting—which we have found works with Nobel laureates.
This post was taken from Chapter 7 of Creative Confidence. Purchase the book for more on how to use creativity to solve problems, or view more from this series of creative exercises on the IDEO blog.
Everyone is creative. This belief runs through everything we do at IDEO, and in 2013, it led my brother David and me to write a book that would help others—even those who don’t think of themselves as “creative types”—to unleash their creative potential. Creative Confidence has inspired thousands of people to adopt a creative mindset and apply it to the diverse real-world challenges they face. In this series, we’ll share some exercises from the book that can help you approach your challenges from a new perspective.


3 Ways Design Can Help Tackle 2019's Big Challenges
IDEO leaders share forecasts on prospective trends in design and tech
1. Design for human capabilities
We are in an uncomfortable place at the moment. Technology has connected us all more than ever, but we are feeling less substantive connection with one another. Human interaction has been reduced to lowest common denominators. Unhappy people click more. Now technology is starting to displace us. In the next few years, deep learning-based AI will take over human activities, from driving to medical diagnosis. The discomfort is increasing as society faces mass redundancy, increased inequality and a crisis of meaning. We can all feel it coming. Design can help.
The amazing thing about good design is that it looks at ambiguity and disruption and sees fertile ground. There is huge opportunity when we focus on things that humans are uniquely equipped to do—empathy, creativity, care, love.
If we do it right, we can conceive and shape new roles for humans in a layer on top of the efficiencies that machines can achieve. We can use those uniquely human traits to re-find and enhance community and depth in our relationships with each other. We can go from Artificial Intelligence to Augmented Intelligence.
—David Webster, Partner, IDEO Palo Alto

2. Design for emotional wellness
The uncertain state of the world is having clear consequences for individual health. You see it in the headlines everyday: Kids paralyzed by anxiety. Suicides by gun. Addiction to opioids. We live in the most technologically connected times, yet our rates of loneliness are increasing. If you dig deep, the common root is an absence of emotional and mental well-being.
I’m not talking about the well-being that’s branded through luxury experiences, like wellness retreats. I’m talking about what Maslow missed at the very bottom of his hierarchy: that sense of inner well-being that is absolutely necessary for our survival as humans.
What’s exciting about our moment now is that science has surfaced the myriad ways we can cultivate emotional and mental well-being—all of which are new channels for design.
Designing ways to get better sleep is also a way of designing for resilience to stress and better ability to manage our emotions. Tackling loneliness and designing for meaningful social connection is also a way of designing for a stronger immune system and brain protection. (Conversely, enabling chronic loneliness is as bad as smoking 15 cigarettes a day.) Designing ways to help people find their sense of purpose and meaning in life is an incredibly powerful way to design for healthier mind and bodies.
More and more, designers will realize their superpowers. Doctors and nurses are key players in facilitating wellness, but let's not forget that designers can be healers, too.
—Ann Kim, Portfolio Director, IDEO Cambridge
[This portion was also featured in Fast Company.]

3. Design for circularity
While it's easy these days to lament the state of the environment and the need for change, there's some hope to be found in the increased momentum towards a more circular economy. Collaborations between industry and design have yielded smart, feasible ideas for redirecting waste streams and reconnecting key stakeholders.
Businesses are investigating new product and packaging design that enables materials to be used again and again; they're asking how to leverage logistics in more efficient ways; and they're conceiving of new ownership models that could extend the lifecycle of the products they make.
The next questions on the horizon revolve around the economic systems that need to be in place to support these circular innovations. For example, we can design buildings so that they can be deconstructed—a circular engineering idea—but the cost of labor makes that reality prohibitive. In 2019, it's time for more applied circularity, leveraging emerging technology, organizational design, human insights, and social networks to create the conditions for the circular economy to take hold.
—Lauren Yarmuth, Portfolio Director, IDEO New York
With 2018 fading into the distance, we're looking with hopeful eyes toward what the next year may bring. Our ongoing projects and client work help us hold up a mirror to reflect on what’s been happening and make informed predictions about what’s to come. Here are a few forecasts from IDEO leaders on prospective trends in design and tech.


Don’t Wait for a Crisis to Change Your Business
Strange as it sounds, the main challenge for some people today is that their business isn’t in crisis
If you know what we’re talking about, you could well be one of the world’s frustrated changemakers. You can see that change is essential, but you’re struggling to light the spark because your business’s indicators are all annoyingly positive. If this is you, what can you do? Should you hope for—or, even, engineer—a crisis?
This was one of the questions a group of business transformation leaders took on recently, at our Make Change Happen event in Munich, Germany.
“It would be a lie to say that a good crisis or a good disruption doesn’t help,” said Roman Lentz, Chief Digital Transformation Officer at global building materials firm Heidelberg Cement. “Because if you honestly look at organizations that change the fastest, they’re the ones with their backs most strongly against the wall… And frankly, that’s my challenge, because we’re not in crisis. We’re producing healthy margins. We’re not seeing cement being disrupted any time soon.”
Sandra Schiller, Head of Product Management for Valves and Automation at Georg Fischer Piping Systems, agreed. A crisis, Schiller noted, “can force through faster changes.”
But this doesn’t mean you should wait for a crisis, as London’s black taxis discovered, a few years too late.
“Black taxis were untouchable,” said Ben Terrett, CEO of Public Digital, a firm that partners with IDEO and specializes in digital transformation. “So untouchable that some of their services and ways of operating were protected by regulation. They have special parking spaces in London, special streets only they can go down… certain roads only they can pick up from.”
But then wave after wave of digital disruption flooded in as they sat behind the wheel, watching their dominion ebb away. First, GPS meant that the traditional cab drivers’ knowledge of London’s labyrinthine streets was no longer the golden ticket it had once been.
Then Uber arrived, and its bookable, predictable, low-cost rides started to eat into the black taxi business. So how did London’s cabbies respond?
“Their defense has ended up being reputation,” said Terrett. “That’s basically their only defense: ‘But we’re the black cabs!’”
Turns out customers weren’t as attached to the reputation of London’s cabs as cabbies were—and they couldn’t compete with the convenience and cost-cutting of on-demand services. Now the London Taxi Drivers Association (LTDA) wants to sue Uber for the earnings its 25,000 members lost in the first five years they were operating in the city. The LTDA estimates that cabbies lost £10,000 each per year, and has been taking legal advice to sue for £1.25 billion.

It didn’t have to come to this.
“What’s interesting is that people have been trying to help them—by building services on top of their service,” said James Higgs, Executive Director for Digital Transformation at IDEO London.
In 2011, the year before Uber launched in London—Hailo, now MyTaxi, tried to bring the predictability of a booking app to the black cabs.
“Taxi drivers didn’t even want that,” Higgs said. “They would charge you an outrageous minimum fare… they even resisted companies trying to help them deliver a better service!”
We don’t want to pick on London’s iconic cabs and their drivers. They’re not even employees of a centralized company that one could point a finger at—they’re self-employed. But we think there are lessons here for us all.
“The black cabs are a good analogy for a lot of businesses,” said Terrett. “I can see lots of industrial-era companies who, when digital organizations go after their market, their defense is ‘well, we’re us, we’re the number one brand in this market.’ That’s no longer a good enough defense.”
Here are three key takeaways for businesses looking to inoculate themselves for potential disruption:
1. Don’t wait for a crisis
Just as you shouldn’t wish for a crisis to happen, so you shouldn’t wait for a crisis to happen before you change.
“It’s really nice if you start in a safe environment in order to secure your future business,” says Georg Fischer’s Schiller. “It’s not about securing your business tomorrow, it’s about the business for the next few years. And as we are a 200-year-old company, we really would like to be around for another 200 years: And so we have to start working now.”
2. There’s an Uber for your industry, too
The leaders of large industrial companies like Heidelberg Cement and Georg Fischer are investing in digital transformation programs now—because, while there may be no Uber for cement or pipes or any of their other product lines yet, there’s probably an entrepreneur somewhere pitching an idea that sounds something like that to an investor right now.
And because, however unlikely it might seem to some today, it’s certain that digital transformation—defined by Tom Loosemore, a partner at Public Digital, as “applying the culture, practices, processes, and technologies of the internet era to respond to people’s raised expectations”—is going to disrupt every industry, including the one you work in.
3. Digital is your friend
Instead of thinking of digital disruption as a threat—you’re better off picturing it as a friend.
OK, so it’s a friend who needs a lot of hand holding at first. But as long as you’re prepared to invest the time and approach it from a human-centered point of view, digital transformation will make many things a whole lot better. It will increase your productivity, your pace of innovation, your rate of learning, and your customers’ expectations—and it’ll help you deliver on them.
When Georg Fischer’s design teams, for instance, began creating digital prototypes, so they learned new, more flexible, agile ways of working. And they started producing a new, digitally-enabled ‘smart part’ that alerts machine operators to problems in the system, so their customers now have more control over operations.
So, don’t sit by the curbside, your legacy engine idling, as you wait—hope even—for a crisis to come. Instead of clinging to what is, use digital to prepare for what might be. Welcome change in now, from a position of safety, and maybe you can secure your business’s long-term future—and save a cool £1.25 billion.
Strange as it sounds, the main challenge for some people today is that their business isn’t in crisis. No blockchain or platform or AI startup is threatening to disrupt their market—yet.


Lindsey Turner
I’m passionate about building brands, products, and experiences that help organizations show up with meaning and momentum.
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.


Rachel Young
My work helps organizations see who their products aren't working for—and build the will and the tools to do something about it
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.


Brian Pelsoh
I lead with craft, ensuring our work is creatively excellent: rooted in deep human insight and imagination, while also grounded in the realities of business and technology.
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.


Tony Wong
I am responsible for IDEO’s long-term success in China and working with clients to use design as a tool to enable growth.
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.
Building a personal AI for the messiness of life: Sida Li
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.
Designing GenAI for the emotional side of money: Johannes Seemann
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.
The curious leader's edge in uncertainty: Scott Shigeoka
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.
How constraints make us more creative: David Epstein
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.
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