Over more than a century of leadership in the food and beverage industry, The J.M Smucker Company has expanded its range of products to maintain its relevance and address market demand. Today, the company leads numerous categories, with beloved products like Jif, Milk-Bone, and Folgers, which are the top choices of millions of Americans. By growing and diversifying their brands over the decades, Smucker has successfully weathered major shifts in consumer habits and technology. Today, though, CPG companies are experiencing unprecedented disruption, and leaders at Smucker understand that the escalating pace of change will require more than just new products.

Geoff Tanner, Senior Vice President, Growth & Consumer Engagement at The J.M. Smucker Company recognized the need to identify new market opportunities and establish practices that put innovation and growth at the heart of their business. And he saw the potential to bring those goals to life through his relationship with IDEO.

WATCH: Balancing innovation and efficiency through design has helped Geoff Tanner, Senior Vice President, Growth & Consumer Engagement at The J.M. Smucker Company, brave the unfamiliar, transform organizations, and ultimately bring game-changing ideas to market faster.

Geoff has stewarded a close partnership with IDEO for over a decade and throughout roles at numerous organizations. Together, Geoff and IDEO have worked on 25 projects, beginning while Geoff was VP of Marketing at Big Heart Pet Brands, and continuing on throughout his career at The J.M. Smucker Company. By working with IDEO to adopt a design thinking approach, Geoff has enabled collaboration across teams and empowered his organizations to find new ways of working that result in measurable business impact. For The J.M. Smucker Company, the partnership has brought creativity and human-centered design to the forefront of its operations, strengthening its ability to bring new products and brands to market and create a pipeline of growth.

WATCH: The J.M. Smucker Company has shifted to embrace growth and innovation as a mindset throughout the organization to bring more consistency to the innovation process.

Looking to the past to creatively connect with the future

As an example of this, Geoff and The J.M. Smucker Company suggested to IDEO that they explore how Folgers, America’s leading at-home coffee brand, might resonate more deeply with a millennial audience. Design research revealed that the mindset of today’s millennial coffee drinkers aligned with Folgers entrepreneurial brand roots. The teams collaborated to create a new concept: a brand called 1850 and an end-to-end, go-to-market product experience, including packaging, retail, and merchandise. 1850 hit shelves in 2018 and has since been reported by IRI Advantage as the top launch in the Coffee Category for 2019.

Frankly, I don’t think innovation gets any easier. You just get a little more comfortable with the discomfort, and that’s when the work starts to get consistently better.

Geoff Tanner, Senior Vice President, Growth & Consumer Engagement, The J.M. Smucker Company

Creating an innovation pipeline that’s inspired by consumers’ needs

With 1850 underway, Geoff and The J.M. Smucker Company continued to invest in human-centered design to drive new offerings. The next collaboration with IDEO explored how Jif, the iconic peanut butter brand, could extend beyond the jar and become more readily accessible and appealing to busy parents who want to feel confident about the snacks they give their kids.

The design team was moved by the challenges that parents face: They want the best for their kids, but struggle to choose between what’s wholesome and what’s convenient on a daily basis. The ideal foods are filling, nutritious, and energizing, but often take more time to prepare and aren’t backpack or carpool-friendly. On the other hand, more convenient options tend to be full of empty carbs. Based on this insight, IDEO and Jif decided to tackle the snack-time parenting struggle. The IDEO and Jif teams worked side-by-side to prototype multiple product ideas and formats and tested them with on-the-go families to ultimately create Power Ups.

Available at over 200 retailers worldwide and online at Amazon, Jif Power Ups make wholesome, delicious grab-and-go snacking possible for kids and parents alike, across products ranging from Soft Baked Bars to Creamy Clusters, which are filled with peanut butter and rolled in whole grain oats. All are made with peanuts as the first ingredient and contain no high fructose corn syrup. Since going to market in 2018, Jif Power Ups has been named the top innovation launch in the Snack Bars category by IRI Market Advantage.

Design thinking underpins everything we do.

Geoff Tanner, Senior Vice President & Corporate Officer, Growth & Consumer Engagement, The J.M. Smucker Company

WATCH: The J.M. Smucker Company is on a transformational journey, committed to three pillars of growth: Lead in the best categories, build brands consumers love, and be everywhere.

The J.M. Smucker Company has experienced accelerated growth and speed to market by testing bold new ideas and evolving the role of innovation at the company. Design thinking and consumer empathy have permeated the organization’s new product development process, making it easier to uncover sharp, human-centered insights that lead to thoughtful and uniquely differentiated brands in a competitive, ever-shifting, and overcrowded industry. The work has fueled Geoff’s vision to inspire a culture of innovation at the company so that it can move at the speed of consumers and remain a best-in-class family of brands for future generations.

It’s a Thursday afternoon in Oakland, California. A line of lunchtime diners snakes out the door of dosa by DOSA. Upon entering, eaters are greeted by the smell of tangy dosa—a large paper-thin crepe made from a fermented batter of rice and lentils—and sweet, spicy chai. Turquoise chairs pop against a floor-to-ceiling mural by Oakland artist Namita Kapoor that transports diners to Chandni Chowk, one of the busiest markets in Old Delhi, as if enjoying their food at a local vendor.

In 2003, Emily and Anjan Mitra spent their honeymoon in India, savoring the street food of Anjan’s childhood in Mumbai (often still called Bombay). After returning to San Francisco, they found themselves longing for those distinctive flavors and dishes. Realizing that most Bay Area diners had never seen nor tasted these foods, Emily and Anjan founded DOSA, an upscale, full-service restaurant that introduced the Bay Area to Southern Indian cuisine. Locals came to try the unique, plant-forward dishes, and left with satisfied bellies and a broader understanding of Indian culture.

The entrepreneurs envisioned a brand extension of DOSA: a counter-service restaurant that could scale nationally. The hospitality venture, called dosa by DOSA, would offer healthful Indian street food made from local and seasonal ingredients. Emily and Anjan also set out to expand their existing product line-up—including cold lassi beverages, simmering sauces, and grab-and-go-meals—to national grocers and retailers and needed launch-ready packaging that was convenient, eye-catching, and environmentally-friendly. The new expression would enable consumers to experience dosa by DOSA and Southern India in a variety of forms and places. Emily and Anjan partnered with IDEO to establish a cohesive and consistent brand experience, from the restaurant and to-go meals to retail stores and mobile delivery.

In close partnership with the founders, their staff, Feldman Architecture and MPADA, IDEO set out to bring dosa by DOSA to life and help it scale through brand, environment, and experience design. This included creating everything from the logo and packaging to the menu and operations strategy, with each element tying back to the founders’ vision of sharing Indian heritage and traditions through cuisine.

The group began by seeking cultural inspiration for dosa by DOSA’s brand identity system—the logo, colors, values, fonts, and messaging—to guide future designs. They were inspired by Indian truck drivers who decorate their trucks with garlands, signs, or flags that engage other drivers or bring luck. The dosa by DOSA logo design and its wood-cut typeface are inspired by the dimensionality of this homespun art form, while the vibrant, eclectic colors reflect the streets and textures of urban Mumbai.

The goal of opening people’s minds to Indian cooking and culture extends to the packaging, which meets customers’ needs and playfully educates them. The food containers—made from recycled and compostable material—feature brightly patterned labels reminiscent of the trucks. Some have built-in compartments suited to multiple dipping chutneys, making it convenient to sample a variety of Indian flavors. Paper tray covers resembling Mumbai newspapers offer eating tips like “Be civilized. Eat with your hands,” encouraging diners to experience an Indian custom.

The vibrant brand comes to life across an array of packaging, including cold cups printed with the phrase “thanda thanda pani”—meaning “cold cold water”—which comes from a popular Indian parody of the Vanilla Ice song "Ice Ice Baby."

To design the diner experience and restaurant environment in a way that invites curiosity about the culture and cuisine, the team started with diners: They identified key moments in their experience like entering, waiting in line, and paying. The floor plan, furniture, lighting, signage, and menu were designed around these touchpoints. For example, while customers wait in line, they can watch dosa being prepared, as if they’re eager and hungry travelers awaiting street food.

The dosa by DOSA menu includes distinctive items like coconut kale mung bean salad and hot masala chai made with caramelized milk—the way Anjan’s mother prepared it. To help the restaurant scale, the team created a preliminary furniture, fixtures, and equipment (FF&E) budget, 3D renderings of the space, and an operations strategy for the founders and their employees.

The dosa by DOSA flagship launched in January 2018 in Oakland, California. The IDEO brand guidelines have enabled the dosa by DOSA team to independently and easily shepherd new product lines to market, including salads, wraps, curry bowls, samosas, and simmer sauces. The brand’s packaged food launched in over 200 natural food stores in 24 months—including over 100 Whole Foods locations—as well as online retailers and delivery services like Good Eggs and Caviar. These items and the restaurant have helped Emily and Anjan realize their vision of bringing the flavor and spirit of Southern Indian cuisine to new communities around the world.

In recent years, due to shifts in Japan’s demographics, the food industry has faced challenges such as a decrease in market size and a shrinking number of producers. As a result, social impact opportunities abound in this field.

When Japanese software company NJC (Nippon Jimuki Co. Ltd.) approached IDEO seeking to identify new business opportunities that would build on the company’s core strengths, the food and agriculture industry rose up as a promising area of focus.

NJC is a well-established software company that has spent over 50 years helping to build backend business systems for small to medium enterprises. NJC works across healthcare, retail, and food and beverage, computerizing core processes to support and improve operations.

In partnership with IDEO, NJC explored its strengths and potential as an organization, as well as the ideas and visions of the employees, and emerged with the goal of using their capabilities to address large-scale issues facing regional farmers.

During research across Japan, local growers described challenges with multi-layered supply chains and analog systems, which led to “overwork for minimal profit,” as well as a gap between supply and demand. Because agricultural wholesalers lacked clear information in advance on the status of crops or the volume to be harvested, they struggled to negotiate with buyers, which led to wasted food On the other hand, the farmers who grow the crops are engaged in manual labor, and do not always have the energy to focus on business aspects such as efficiency or the pursuit of increased profitability, which leads to a diminished interest in farming among young people.

One question that emerged through research was why agricultural producers weren’t utilizing IT. This evolved into “How can profitability be improved for all stakeholders?” and, “How might we create a system that will provide useful data without creating a burden for either farmers or agricultural wholesalers?”

The result was fudoloop.

fudoloop is an app that enables farmers and wholesalers to conduct business more profitably by bringing transparency to the fluctuating produce market. Through fudoloop, wholesalers receive information from farmers a day in advance, and can coordinate the various requests of buyers, such as order size, production location and other special requests. As a result, wholesalers can function as “community managers,” doing business with both producers and buyers at a more appropriate price point.

NJC aims for fudoloop to be the first step in a cycle that brings value to all stakeholders, from farmers to wholesalers, retailers and even customers, by redefining the “middleman” role of produce wholesalers.

The population of Tokyo’s metropolitan area is twice as big as New York, and the daily influx of workers from the suburbs increases that number sixfold. Congestion on trains traveling through the center of Tokyo during commuting hours is said to reach somewhere close to 200 percent of the trains’ capacity.

East Japan Railway Company (known as JR East) is the world’s largest railway company by revenue, operating 12,000 trains daily and serving 6.4 billion passengers per year.

In March 2014, JR East leveraged their extensive operations and passenger data to publish a consumer app that provided train location information, congestion status, air conditioning temperature, and wayfinding tools.

The app was downloaded more than 3.8 million times; however, its features and usability proved unsatisfactory to users. In an attempt to be comprehensive in addressing passenger needs, the app was weighed down with data and worked sluggishly. Competitors’ apps were named above JR East in customer satisfaction surveys, highlighting the company’s need to address the tool’s usability.

JR East’s Technical Division approached IDEO to help design an attractive and consistent user-centered experience through its digital ecosystem. With a team of interaction designers, they launched a project to create a new version of their app.

During the research phase, the IDEO team observed passengers’ behaviors and decision-making processes and noticed that people were using several apps at once to get more personalized and complete information.

The team created a set of paper-based prototypes to test how users would react to various functionalities. Surprisingly, users ranked versions with limited functionalities higher than those with a broad range of features.

This insight informed a new prototype that enabled a customized user experience based on traveler needs. Wayfinding proved to be the most frequently selected feature, so the new app was designed around helping passenger navigate during their trips.

Although JR East had traditionally outsourced their app development, IDEO encouraged them to organize their own internal team. In cooperation with Pivotal—a frequent IDEO partner familiar with human-centered approaches—the internal team was trained in agile development and built the new app themselves. A prototype was released in November 2017 as “Go! by Train.” It was so successful in the market that the earlier JR East app was replaced entirely with the content of the new design.

JR East's internal development team was recognized by the company for their exceptional output, and will be integral to the company's human-centered digital transformation going forward.

Like most organizations, we’re reckoning with how COVID-19 will change how we do business. And as we do, we’re learning a lot from our community—our colleagues living and working under complex, difficult circumstances; our clients whose businesses depend on global transportation; and the people we design for and with on a daily basis.

"Constraints can breed a lot of innovation,” says Charles Hayes, a managing director of IDEO’s studios in Asia. “As designers, how do we design our way through this?"

Here are a few tips based on what we’re learning:

1. Create a virtual meeting survival kit

How many tabs do you have open right now? We equate multiple screens with fractured attention. But just because a meeting is being conducted virtually doesn’t mean it can’t be designed for presence. An IDEO team recently had to find an alternative way to run a 20-person workshop for a foundation in Seattle. They asked themselves: How might we still approximate the level of engagement of an in-person meeting? Better still: how might we make sure this virtual workshop delivers on our client’s needs—focus, alignment, and a set of actionable next steps—while keeping things interesting?

Before the meeting, the team mailed a virtual workshop survival kit, complete with “sleeping bags” for cell phones, mini-whiteboards for people to prototype ideas, and physical takeaways to help the presentation resonate off-screen.

Over the course of the meeting, participants excitedly unwrapped items one by one. It was a way for the IDEO team to show up in the room when they couldn’t actually show up in the room.

2. Design rituals around tools

There are thousands of tools to facilitate remote collaboration—video conferencing! brainstorming tools! task-management software!—but perhaps more important than the specific tool are the processes teams put in place around them. After all, a tool is only as good as its ability to deliver on what the team needs.

Take video conferencing, for example. A reliable video chat box can be a Swiss Army knife to combat the woes of remote collaboration. But spending an entire day jumping from one serious video chat to another is a recipe for bleary eyes. IDEO teams around the world have been running experiments in how video conferencing can be a tool to build culture and connectedness in addition to getting work done.

For one, teams have been continuously changing their virtual video backgrounds—everything from a football game to a family vacation photo—to spark discussion and keep meetings fresh. Regular rituals like daily meditation or morning coffee chats have been ported over to video. And teams are using creative warmups—like a 10-second dance break or a quick show-and-tell of an artifact from the home office—to kick-off meetings.

3. Empower local communities

When travel is off the table, IDEOers have had to find alternative ways to learn from the communities for whom they’re designing. One approach that has become particularly relevant in the wake of COVID-19 is Equity Centered Community Design (ECCD). ECCD is a process of designing with—as opposed to designing for—a community.

For example, IDEO recently worked on a project to design a new lifelong learning program for the city of South Bend, Indiana. Rather than rely on traveling to South Bend to conduct research, the IDEO team hired local “community connectors” and a researcher in South Bend to conduct interviews, share prototypes, and co-design with the IDEO team remotely. Now that many cities are sheltering in place, even local communities will have to work remotely. That makes it all the more important to enlist those with hyperlocal context and lines of sight, ensuring there is sensitivity and flexibility around immediate needs. By designing themselves out of the room, the IDEO team received a level of honest feedback they may not have been privy to if they’d been physically present. This method isn’t new, but as movement becomes constrained, it’s even more important to engage local networks to be the eyes and ears on the ground.

4. When you can't do, learn

How long have you been putting off learning that skill? Cleaning up that code base? Building that website? When one door closes, listen for the creak of another opening. Travel constraints can be an opportunity to take a deep breath, hunker down, and try something new. Across IDEO, designers have been using these extenuating circumstances as an opportunity to gather digitally and learn. “We have experimented with a number of things,” says Brian Chien, a director in our Shanghai studio. “Some worked well, and some definitely didn’t.”

Whether it’s prototyping a remote brainstorm, trying out a new tool, or building something by hand, the disruption of your normal routine can be an opportunity to learn something. And if you already have the skills, teach! Designers in our Tokyo office are webcasting tutorials for young design students, sharing skills with those who aren’t able to attend an in-person workshop. What if, when it’s inadvisable to move from place to place, organizations took what they’re saving in travel expenses and invested it into L&D?

At IDEO, we will always believe in the alchemy of creative minds bouncing off one another in a shared space. But COVID-19 has pushed us to get even more comfortable with digital. And while we know necessity is the mother of invention, we still have much to learn—especially from other companies who have been at the forefront of remote collaboration for years.

Of this we’re certain, says Arlin Tao, a senior director in our Shanghai studio: virus aside, remote collaboration is the way of the future. “I think the only thing that most people agree on is when things go back to normal, it's not going to be the normal that we were used to before.”

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It's not uncommon for IDEOers to make house calls. Friendly, in-person conversations are one of our most cherished tools—that kind of design research helps us learn what people collect and eat and carry in their backpacks. Social interactions fuel the insights we use to do our design work. What happens, then, when social interaction is not good for us?

While we tied, she shared the story of leaving her corporate career in design to pursue a year diving deep into the world of knots, teaching herself a new knot every single day. With explorations traversing the historical and functional—from gathering inspiration from sailor’s knots to the future-forward and abstract—her knots have become massive installations, offering an alternative translation for structures like the circuit board and New York City subway system. I left her session deeply inspired by the simple power of dedicating ourselves to daily acts of making and craft—let’s all try it.

In one sentence, who are you?

I make sculpture and installations that elevate the vernacular and inspire awe and understanding; in the context of knots, I work at the intersection of function, design, history, and aesthetics to illuminate what’s most fascinating about knots: the journey of the line.

What do you do? How did you learn it?

I developed fluency in the language of knots—and found my artist voice in the process—by learning one new knot every day of the calendar year in 2016 (which was 366 total knots because of the leap year).

How do you get over creative block?

You know, I never have creative block. I have a list as long as my arm of investigations I’m dying to explore and large installation concepts that are awaiting a home.

What was the last item on your to-do list?

I’m currently hiring, so today I'm posting a listing for a studio manager position, ordering custom-made cordage for a hotel project in the Maldives, and later on, I'm heading to Gensler San Francisco for the opening reception for a show I’m having there.

What’s your dream installation site?

An airport. I’m obsessed with the notion of the journey of the line, which is evident in my work. The rich metaphors that arise from journeying and traveling are particularly well suited to airports.

What’s your number one bucket list item?

I really want to see my work in an airport... and then a TED Talk.

What’s the weirdest or coolest knot you’ve learned? Why?

The five-strand star knot. During my Year of Knots, I tried for over an hour to learn it, only to end up frustrated and in tears. It's complex and the old-timely sailors knotting books were cryptic. But then I mastered it, and now it is my favorite knot to make.

What are you most curious about right now?

People often call me a "fiber artist," but I don’t restrict myself in that way. I’m interested in the journey of the line. So while it’s wonderful to render a line in rope, because rope allows for creating shapes in space without weight, almost anything can be a line. I’m curious about exploring other materials—glass, tubing, metal, and more. I’m still looking for the project that will want me to tie knots out of ethernet cable.

Who are you creative crushin’ on lately?

Always and forever: artist Janet Echelman, who makes sculpture on the scale of city blocks that respond to wind, weather, and light. I met and befriended her last year and we spent a day in Paris looking at art. Janet is lovely and her art absolutely takes my breath away. She has a permanent installation in Terminal 2 at the San Francisco Airport that is so beautiful, when I have a flight to catch, I will go to the airport early just to gaze at it. Endless respect to Janet Echelman.

Learn more about Windy's craft in her book, The Year of Knots.

I was feeling a bit sleepy at a design conference this past spring when, upon entering the auditorium for the next talk, I was handed a simple length of rope. My ears perked up with anticipation and curiosity. Enter Windy Chien: ingenious fiber artist who would coach the entire room of conference-goers in learning how to tie a donut knot (it’s adorable and makes for an amazing necklace).

By looking to the neighborhood pub down the block, it was easy to see that if they wanted to keep customers around longer, they needed to have a similarly linger-worthy offering. It seemed to be working.

In an age when boundaries between sectors are blurring, traditional businesses need fresh approaches that keep them relevant, even as the tech titans add capabilities that could eclipse the old guard. When leaders are willing to look beyond their own industry for inspiration and ideas, they often gain a competitive advantage.

The financial services industry is a perfect candidate for this kind of approach. Money is changing in radical ways, and along with shifting regulatory environments at home and abroad, we increasingly find new players entering the financial space. It often seems like the future of financial services is being designed outside the domain of the industry giants, which begs the question: Are traditional financial firms equipped, at present, to satisfy customer needs? People want convenience and access, security, privacy, social features, comfort, experiences, and a range of incentives—many of which are more readily supplied by a digital platform than a stately bank. But some traditional players are taking a new tack.

When the first Capital One Café opened in late 2015, the bank was attempting to address these very concerns. Millennials, having come of age around the 2008 financial crisis, harbored a well-documented distrust of traditional banking and felt turned off by the branch experience, so Capital One attempted to reinvent the bank branch in the image of a coffee shop and coworking space—again, looking outside their industry for inspiration. “Customers are over the corporate thing,” a bank representative said. It’s hard to imagine someone would choose to enjoy their coffee inside a bank if other café options are available, yet by most measures Capital One’s experiment has been a success, offering a more welcoming and attractive experience than speaking to a teller through bulletproof glass. By innovating on the experience, Capital One has entered retail banking in a novel way.

The late Harvard academic Clayton Christensen developed the concept of “jobs to be done,” arguing that customers have a need to get a job done, rather than a need to acquire a specific product or service. It’s a slight but important turn of the dial from the traditional way of thinking. Here’s how legendary economist Theodore Levitt described the idea back in 1969: “Last year 1 million quarter-inch drills were sold, not because people wanted quarter-inch drills but because they wanted quarter-inch holes. People don’t buy products; they buy the expectation of benefits.” To advance the argument a step, perhaps what the customer needs isn’t a one-inch hole but the ability to hang a picture. Maybe an adhesive hook would do the job better than a drill.

Innovation is often driven by the urgent need to solve a problem. In 1922, a group of army officers observed that returning soldiers, who hadn’t driven cars while on active duty, had a hard time getting auto insurance. The officers formed the United Services Automobile Association to provide insurance to military members and their close family. Later USAA expanded to offer a wider range of services including banking, investment, and other types of insurance. Since their members were often scattered geographically—sometimes on the other side of the globe—USAA pioneered mobile banking, initially by phone and mail and later online. Even today, with almost 13 million members, USAA has only one full-service bank branch, located in San Antonio.

This company, which was founded to offer auto insurance to service members, is now regarded as a shining example in the banking world of loyalty and customer satisfaction. Several of my clients who work at major retail banks have admitted to me in private that they still do their personal banking at USAA because they so admire the firm’s customer service. From that original need in 1922, USAA created a new service model that has lasted nearly a century.

Many of today’s most inspiring models for innovation are scattered globally. The European Union’s Open Banking efforts have created fertile conditions for EU mobile-first banks such as N26, Starling Bank, and Monzo. These firms score off the charts in customer satisfaction rankings, above even USAA’s benchmark. In the EU, mobile-first banks have grown through a mix of purpose and convenience, the human-centered design of their interactions and offers, and a supportive regulatory environment.

Alipay in China—which has a staggering 900 million users—is a smartphone wallet app that has revolutionized mobile payments, including the development of “Smile and Pay,” facial recognition technology that allows consumers to pay for goods without even carrying their mobile device. Alibaba has aggressive plans for global expansion of Alipay, all but guaranteeing that domestic US firms will come into direct competition with the Chinese juggernaut.

In many African countries, citizens have so little faith in their nations’ financial stability and fiat currency that a new kind of money has emerged: prepaid mobile phone minutes. People pay for a broad range of goods and services—from procuring groceries to settling their electric bills—by transferring mobile phone minutes. Kenya’s most ubiquitous service, with more than 30 million users, is m-pesa, launched by the country’s top mobile phone companies, Vodafone and Safaricom. Who would have thought that mobile phone companies would emerge as the central disruptors in Africa’s financial services sector, disintermediating the banks?

The financial world has been slower to innovate than, say, the technology world, for a few key reasons. First, financial firms haven’t been forced to innovate at the same pace; second, regulation has disincentivized competition; third, most radical thinkers are no longer drawn to the financial services, as the center of action has moved to Silicon Valley.

Millennials comprise the largest population in our workforce, and three-quarters of them say they’d prefer a financial offering from a large technology company over one from a traditional financial services firm. And the tech world is responding. The Apple Card recently launched in an effort to redesign the credit card and disrupt the status quo. PayPal and Venmo, beyond their use as payment services, essentially function as savings accounts for many customers who store money in the app. And millennials aren’t the only focus of this evolution: A handful of new firms, such as EverSafe, have introduced new products that help the elderly population manage their bills and protect against financial exploitation.

Money is always changing—the way it moves, the shape of it, and how we store it. Financial services firms need not only to keep pace, they need to be leaders of innovation. New solutions could come from unexpected places, so it’s critical to take a global perspective, benchmark beyond industry peers, and consider the experience of the people providing and receiving services. Building the next 100-year financial services firm will depend on doing all of these.

Illustration by Emil Wikström

The bike shop in my neighborhood recently started serving beer. They keep a keg on ice in the back room, and customers can sip pints as they browse the bicycles, gear, and hardware. I was curious what was behind the move, so I asked the owners. They told me they’d been trying to figure out how to get customers to spend more time in the store, and hopefully to make a purchase, so they decided to take a page from another industry’s book.

We asked IDEOers across a diverse range of locations, teams, and roles—even ones that aren’t typically thought of as creative—to share the best creative advice they’ve ever received and how it’s impacted their work. We hope you find their responses as inspiring as we do.

Trust your unique perspective

Coming to IDEO as someone who wasn't from a "creative" background (large emphasis on the quotes there), I had a ton of concern about how I would show up on teams with people who were so fluent in the things that seemed to be what IDEO was "really about"—the creative stuff.

Early in my time here, I was on a walk with another organizational designer, mid-existential crisis when she said to me, "Your job is to be thinking about what no one else in the room is thinking about." She helped me see that I didn't have to immediately have every answer or every iota of expertise; I just needed to be using my lens on the world to make our collective design richer.

IDEO touts its cross-functional team structure, and I am a true believer in that element of our work. Unlocking my creative process has been so much about believing in the value of what I bring to the table and understanding its unique contribution to what we are all building together.

– Natalie Osterweil, Senior Organizational Designer, Cambridge

Schedule time for creativity

Martin Bone (an IDEO design director circa 2008) once told me about how he organized his schedule to carve out large blocks of time for doing deep design work of his own. Each week, he would make a long calendar appointment (often an entire day) to be his design time, and would decline any meetings or calls during it. This allowed him to get to a deeper level of work that only a non-distracted state could achieve.

Paul Graham calls this contrast in methods of working maker's schedule vs. manager's schedule. He points out that even a short meeting scheduled in the middle of the day is enough to disrupt or demotivate deep craft or thinking work. In order to maintain my own personal craft alongside other work responsibilities, I've found it effective to put similar calendar blocks on my calendar and to completely disconnect from email, phone, and Slack during these times. This focus also takes discipline beyond a calendar event, but with practice, it can really lead to better work and growth as a craft-oriented designer, even as management responsibilities increase.

– Gian Pangaro, Creative Director, IDEO CoLab, Cambridge

Disconnect from your ego

I’m an executor. I like to get shit done and make an impact. That’s how I think many of my friends, family, and colleagues would categorize me—and I agree! When I came into IDEO, creativity wasn’t a value of mine, nor did I see myself as a creative person. When it came to brainstorming ideas, to me it was all about having the best idea, and having the best idea meant it was feasible, viable, and could have an impact right away.

I learned quickly I was wrong. Virginia Martinez, our Talent Director in San Francisco, helped me when I was having a hard time engaging with IDEO’s brainstorming process. Instead of trying to show my competency through my ideas, she told me, "To get to great ideas, you need to have lots of ideas as a group. And the best idea is not always the most realistic or easy to implement. The fun and crazy ideas can be just as good to drive teams to think more creatively."

Something so simple never occurred to me! I realized that I was attaching my ego to my ideas, that my ideas and my input reflected my competency—but no one else was looking at it with that lens. I realized the diversity of ideas that led to so many possibilities was creativity—something I never saw as an important part of our Learning and Development work, which I'm focused on. That also helped me feel more excited and comfortable in brainstorms because I was walking in with an open mind rather than ready to prove my point.

It has changed my approach to the work, my approach to how I design programs, and my approach to collaboration.

– Jen Casimiro, Talent Lead, San Francisco

Stop and smell the roses

My mom has always told me to take the time to smell the roses. It wasn't until a few years ago that I realized how lucky I was to have a parent who taught me at a young age that it wasn't always about getting to the end of the race first. Enjoying the journey was just as important.

"Smelling the roses" has taught me to pause and take in my surroundings, being inspired by the seemingly mundane artifacts that I might otherwise have missed—curiously shaped gum stuck on the sidewalk, fine wood grain patterns in furniture, and the intriguing strangers I pass on the street. Each elicits ideas for new stories, inventions, or adventures. If I ever feel stuck or need inspiration, I know I just have to pause and take a look around me.

– Michelle Lee, Play Lab Portfolio Director, Palo Alto

Make your work visual

The best creative advice I ever received came from Mike Stringer at the beginning of my first project at IDEO. This was when IDEO's data science discipline was still young; I was navigating the challenge of working with designers of other disciplines.

Mike came to my project space and told me to "put stuff on boards and share." While this might be something natural for any other designer, some data scientists are very attached to their laptop, scripts, and simulations. In more traditional data science positions, I normally wouldn’t put data science on boards (the most I shared in my previous job was a decision tree on a whiteboard).

Mike suggested I make my work visible to the rest of the team to make data science more transparent, spark curiosity in my team, and start new conversations. I created a variety of hand-sketched data visuals and made them a prominent part of the project space to serve as a catalyst for brainstorming and discussion. Sharing my sketches with a variety of designers from a broad spectrum of disciplines (interaction, research, software, business, and more) made my work more transparent and helped establish a common language, allowing data science to grow organically within the team. I now make that approach part of my work style, and I share it with other data scientists whenever I see the opportunity.

– Fra Valsecchi, Data Science Design Lead, Chicago

Pull a card

I regularly seek advice from Brian Eno and Peter Schmidt's Oblique Strategies card deck. They compiled it in the early 1970's to help overcome creative block in the studio. When you feel stuck, you draw a card and do whatever it says. For example, "Ask people to work against their better judgment," or "Look closely at the most embarrassing details and amplify them," or "What would your closest friend do?" Often the advice is a bit unclear, but the vagueness prompts new ideas.

– Michael Hendrix, Global Director of Design, Cambridge

Embrace the Sharknado

A bad movie is better than an unfinished movie. As a filmmaker, there's this temptation to keep working on something or tweak it infinitely. However, there's a power in seeing something fully through, and then starting something else new that you can build and learn from. Also, it's so rare that your finished product is truly "bad." What would that even look like? Worst case scenario, you miss your mark but you learn something. Best case scenario, Sharknado.

– Sephora Woldu, Senior Leadership Coordinator, San Francisco

Accept your failures and iterate, iterate, iterate

The best creative advice I ever received was a good walloping. I was 28 and had landed an assignment from Alex Heard at the New York Times Magazine, an editor known for his unsparing red pen. I was to write a short piece about an alternative film festival. I interviewed the founders, thought up a clever lead, and submitted a draft. This is good, I thought. Funny.

The next day, Alex called and read the article back to me, word for word. "Are you kidding me?" he said. He was indignant. It was like I'd made him drink toilet water. When the call was over, I cursed myself and cried. I’d failed, and he’d dropped a grenade in my lap so I’d suffer no illusions that my work needed anything less than a good and brutal pulverizing. I called an editor friend, enlisting him to give me honest feedback. Then I sat down and rewrote the piece 103 times. When I finally ginned up the courage to send it in again, Alex called me immediately. "You did it,” he said. ”I'm proud of you. I’ll run it this Sunday."

Find someone who’ll give it to you straight, then iterate, iterate, iterate. Keep at it until your hand falls off. That's how I learned to write.

– Shoshana Berger, Senior Editorial Director, San Francisco

Remember ideas aren’t worth a single penny

"Ideas aren't worth a single penny." These are the words of wisdom that a colleague at my previous job gave me a couple of years back. He was the type of creative director that I only expected to find in fiction: almost always late to work, usually hungover, wore a Dumbledore style beard, and always ready to mutter out the most unexpected and astonishing ideas. When brainstorming, he would always kick-start the session with the most hilarious, intoxicating fantasy concept. He was known in the industry as the ultimate idea man.

That was why his advice struck me as a surprise. He told me that he would willingly give away any of his ideas for free, because that’s not what we’re being paid for as professionals—it’s the execution of the idea.

I look back to this whenever I find myself too attached to an idea, or when the team is stuck in a rabbit hole of conceptual debates, picking ideas apart one by one. Anyone can come up with the same idea sooner or later; our job is to not just come up with the idea, but to bring it to life, and that is what we should be proud of. That is where true impact lies.

– Daisuke “Dice” Yukita, Senior Interaction Designer, Tokyo

Focus on the story

The advice that still rings true to me today and on the path to become a designer is never lose focus of the story you want to tell. Every single experience, physical thing, or digital product you create is based on a sequence of decisions you make during the design process. It’s essential that every decision has a purpose—that’s how you get the most potential out of your design. A memorable, human story is the groundwork to purposeful design.

– Susanne Duswald, Industrial Designer, Munich

Invite others to the party

Several years ago, I ran into film director Frances Ford Coppola. Because we were both speakers at the same event, I managed to spend a few minutes alone with Coppola backstage, and one of the things he said that day has stuck with me ever since: "When you are working with creative people, you don't tell them what to do. You invite them to the party."

I have used his advice many times, including right now at D4V (Design for Ventures), IDEO's Tokyo-based venture capital firm. We invest in promising Japanese start-ups and then invite the design team here to "join the party," using creative tools to help the young companies thrive.

– Tom Kelley, IDEO Partner

Creativity often isn't the work of a single, solitary genius. In fact, it's usually when a set of diverse perspectives come together that we're able to see new possibilities for solving problems. That's why creative collaboration is crucial—and it's also why creative mentorship is so important. Sure, you can (and dare we say should) work through these 10 exercises from Creative Confidence to hone your individual chops, but creative mentorship is what allows us to push ourselves and our work forward. This got us thinking: What else could we learn about creativity from the people we work with every day? What have they learned from their mentors?

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.

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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.

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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.

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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.

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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.