Commonwealth Bank of Australia was interested in helping customers and businesses build close connections. They believed the way to do this would be by creating richer interactions around different forms of payment. The bank approached IDEO to explore these opportunities, and the result is a new retail business platform—Pi—and a portable payment device—Albert.

Pi brings a new level of flexibility, functionality, and customization to the face-to-face interaction between a cashier and a customer, improving everything from the process of splitting the bill in a restaurant to helping a guest find more personalized experiences at a hotel.

Insights

In the team’s research in Australia, the UK, and Germany, they found a few key insights that informed the design. First, they saw that an ideal platform should support the full spectrum of human behaviors around payment. Second, platforms can add value by improving the relationships among banks, merchants, and customers. And third, the payment experience should be customized to fit a specific setting, working one way in a luxury boutique and another in a gas station.

IDEO, CBA, and Wincor Nixdorf worked together closely to steward the design of Pi And Albert through product development and implementation, and to gather feedback from merchants during rapid, iterative cycles.

Results

The platform is flexible enough to benefit organizations of all sizes: Larger merchants can incorporate Pi as part of their existing network, while smaller merchants can grow their business using powerful business tools. And customers of all kinds can easily access a variety of payment methods and helpful applications.

Albert offers a large touchscreen that’s intuitive to use, the safety of virtually encrypted PIN entry, and a variety of ways to access data connections. A large battery provides power when retailers are on the go, and a modular housing means that Albert can be used in all kinds of situations. The device is built to handle current card payment methods but can also adapt to how cards might be accepted in the future, and even eliminates the need to swivel a screen from cashier to customer during the payment process.

Forty million Americans became newly eligible for health coverage when the Patient Protection and Affordable Care Act (ACA) was fully implemented in 2014. Some enrolled in health insurance for the first time, while others were able to get better access to affordable health coverage.

In preparation for the millions of applications, states were required to develop ways for people to sign up for health insurance online for plans that were operated by state and federal governments under the ACA. To help public and private agencies to meet the requirements, a coalition of nine national and state-based foundations, led by the California Health Care Foundation (CHCF) developed a digital enrollment prototype, and hired IDEO to lead the consumer research and design effort.

After a yearlong collaborative process, the resulting 300-page design manual and design reference prototype illustrates a customizable approach to public and private health insurance enrollment.

The flexible set of design standards developed for Enroll UX 2014 aims to make online health insurance enrollment simple, intuitive, and easy to navigate at scale.

To encourage PhD candidates to think differently about how they tackle tough science problems, the University of California, San Francisco (UCSF) and IDEO embarked on a fruitful collaboration.

Three PhD candidates were tasked with the following challenge: Cultivate new audiences and uses for a microscope. Drawing inspiration from cell phone microscope CellScope, the trio arrived at a prototype that was less reliant on technology and easily disassembled and reassembled. How? By using the most basic building blocks: Legos.

Made of custom 3-D-printed parts and standard toy building blocks, the LegoScope, which functions as a microscope, can easily snap pieces in and out to hold different components. Both the device and the team-based process are now being used in various other campus projects to change how researchers think about conducting and advancing scientific research.

“The best work in the future is going to be done by teams of people with very different expertise, who know different things and think about things in different ways, who come together to focus on one big problem,” said Keith Yamamoto, vice chancellor of research at UCSF, who led the initiative.

Arye Barnehama and Laura Michelle Berman wanted to take their invention—a headband that measures brain wave activity, focus, and concentration—to the next level. As a part of IDEO’s startup-in-residence program, Barnehama and Berman collaborated with IDEO on the product’s rebranding, hoping to refine and emphasize the product’s promise: When people improve their focus, they feel more mindful, confident, and productive.

With IDEO’s help, the company changed its name from Axio to Melon, delineated their brand, refined its product, developed its user experience, and prepared a Kickstarter campaign that garnered considerable press coverage. The new name, Melon, reflected the friendly, scalable character of the company. The name also suggested the intent of the product—using neuroscience data to inform a personal activity.

To distinguish Melon as a standout in the crowded quantified-self category, IDEO designers made the logo a faceted orb that references the gear-shifting mind, with “Melon” written in a distinctive font born from that same logo. The team went with fruit colors—cantaloupe, honeydew, watermelon—to evoke the sweet, refreshing experience the Melon headband promises.

Together, the Melon and IDEO teams also developed an app that shows increases in concentration after performing certain tasks and features a game in which you “fold” origami through mental focus to hone concentration.

Melon’s new brand strategy and UI set it apart from your typical fitness tracker, engaging the user in an elegant, joyful, and customized experience with every interaction.

Melon: a headband and mobile app to help you measure focus.

Name: Loren Flaherty
Location: New York
Role at IDEO: Senior Communication Designer, which means I work collaboratively with project teams, helping them visually tell the story of the project. Through compelling visual narratives, I move from complex business challenges to strategic solutions.
Joined IDEO: 2014
Instagram: @lorenipsum
Titillating Fact: I have an obsession with finding numbers and keep a blog called A Number Of to record them. I started the blog in 2009. I find most of the numbers myself, although friends that know about it give me numbers that they find. A couple rules: Numbers must be dominant on the piece that's found, and the piece has to be smaller than 8.5 by 11. I especially like finding pieces when I travel.

1. Tortus Copenhagen

As a result of doing pottery for a couple years, I try to keep my eye out for inspiring ceramicists. I recently found the work of Eric Landon and Karin Blach Nielsen of Tortus Copenhagen on Instagram. I love the depth and gradient of the glazes on the large curved forms.

2. Numero Group

I spend a lot of time listening to music while working. I found this label when I lived in Chicago. The label finds otherwise unreleased, dusty, forgotten-about tracks and re-releases them. If you like soul music, check out their Eccentric Soul Series. They have a couple sample playlists on Spotify.

3. Photofit: Self-Portraits

This is an older project but I just re-found it. Fourteen people were asked to create self-portraits using a police Photofit kit from the 1970s, without referring to a photograph or mirror.

‍

In this series, we ask IDEO designers to share the stuff they're digging right now—tools, books, music, sites, people, places—so you, too, can drink from the fount of inspiration bubbling up here. This week's guest star: This week's guest star: Loren Flaherty.

In our first episode, Berlin-based digital design director Anne Pascual sat down with London's senior editor Ed White to talk about how technology is changing intimacy, and what that means for designers.

We set out to speak to some people designing at the edges of intimacy, to better understand both sides.

We spoke to Pia, the founder of a "paid dating" app called OhLaLa, to talk about mobile, expanding choices, and the ever more complicated boundaries of the modern mating game.

We chatted to the founder of OffTime, an app designed to help you get offline and focus on meaningful, real-world moments with your family and friends.

Technology needs to support us in our efforts to reconnect with others, to find intimacy instead of what most of the technology is doing, which is just exploiting our weaknesses.

OFFTIME, MICHAEL DETTBARN.

Lastly, we caught up with Internet activist Zara about how technology both empowers vulnerable people and minority groups. But while people can find comfort online, they’re also increasingly exposed to the dangers of sharing their data.

What will the next episode bring? The future of work, the circular economy, ageing? Let us know what you think: IDEOEurope@ideo.com.

We're always connected, but are we actually connecting? Billions of mobile phones and Tinder hookups later, many feel increasingly lonely, overloaded, and disenfranchised. IDEO Europe’s first podcast, How Might We, digs into how technology is changing intimacy.

The Teachers Guild is a professional community that activates teachers’ creativity to solve the biggest challenges in education today. While learning and doing design thinking, teachers build their creative muscles and connect to diverse partner organizations that are committed to bringing their solutions to life. It’s an initiative run by a team of educators and designers from IDEO’s Design for Learning Studio and PLUSSED at Riverdale Country School.

Learn more about the Teachers Guild here.

WATCH: Welcome to the Teachers Guild!

Two years ago, I ordered wood, frets, a few parts, and a couple of guidebooks. After watching hours of instructional YouTube videos, I built a mold and got going.

I’m entirely self-taught. I learned mainly by doing, common sense, and from my experience building models as a product designer. There’s a violin maker next to our office who helped me understand old techniques like hot-bending wood, working with hot hide glue, and using and sharpening wood hand tools.

I’ve finished two guitars, and I’m working on a new one now. I do all of my work on them in our IDEO Munich workshop. The first took about 140 hours to make, over six months. The second one took less time. (A professional builder takes about 40 to 60 hours, for reference.) You can’t rush it and there’s not much room for iteration—it has to be right the first time. I sign the inside of each soundboard so people know where and when it was built, in case someone takes them apart after I’m gone.

I build off a 1930s plan by CF Martin, a German who emigrated to the US in the late 1800s and founded the famous Martin Guitar Company. He invented the American steel-string guitar. The model is called OM (Orchestra Model). It was the biggest guitar made at the time, and was for playing in orchestras and, of course, without amplification. I find its shape beautiful, and it has a fine voice. It’s still built today. It has passed the test of time, I guess.

My latest build is European: a gypsy jazz guitar like one played by famous jazz guitar inventor Django Reinhardt. Created by an Italian guitarist named Maccaferri, it was produced by Selmer, Paris, from the 1930s to the late 1940s. I love that genre, and this guitar has a unique sound.

With the shift to a management position, I’m turning my design skills more towards consulting and away from product design. I miss the focussed work that goes deep, spending time on one project, and having a tangible result after hours of work.

Guitar making gives me all of that. It is extremely rewarding. The result of your work becomes increasingly evident, and at the end you can make music on your own creation, while other guitarists can enjoy what you’ve built. It is an exercise in learning, prototyping, craft, and design.

Guitars have been a love affair of mine since childhood. I was surrounded by music at home: My father plays guitar and taught me to play my first chords. Since I am an avid tinkerer, craftsman, and maker, it was a logical step to build them myself.

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

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

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

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

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

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

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

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

‍

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

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

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

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

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

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

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

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

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

‍

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

‍

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

‍

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

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

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

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