When you’re under 40, buying a life insurance policy may seem about as practical as buying a Humvee. That makes insurance a tough sell for a 165-year-old company like MassMutual. To find a way to become relevant to this generation, MassMutual partnered with IDEO with a mission to get young people interested in their own spending habits.

Over the course of two years, the teams set out to learn about how people across the US spend and save their money, and they uncovered a simple theory: you either have a smart money mindset or you don’t. When it comes to being mature about financial issues—chipping away debt, saving to buy a car—it doesn’t always come naturally. If anything, many feel disconnected from money-related matters, even if it’s in their best interest to know more.

"I hate going to a bank and not really knowing what I am doing when it comes to money," said Simon Bowers, a 31-year-old who works in public relations, featured in an article in Fast Company about the MassMutual-IDEO collaboration. "They don’t seem to take into account that this might be scary for us."

So how to invite this wary demographic to the table? Design an accessible way to meet them wherever they are: online and on their phones. IDEO helped build the new venture from the ground up—designing a brand identity and experience focused on transparency, meeting users where they are, and helping people navigate complicated financial situations so they can live life on their own terms. It’s called Society of Grownups, and you can think of it as a sort of master’s program for adulthood. Each piece of the program builds on a common vision that continues to iterate every day.

After building and testing full-scale, live prototypes, the brick-and-mortar Boston location opened in 2014 and operated much like a supper club—a warm, inviting space where young people could hang out, feast on delicious meals, attend talks, and learn about things like 401Ks, living on a budget, and how to pick good, cheap wine. After two years of continued prototyping, MassMutual recognized that the digital channel has the most potential to grow and closed the brick-and-mortar location to focus their investment in building out the bespoke online financial tools to reach more people across the nation.

From leeches to gene therapy, how we treat sickness has changed beyond recognition over the centuries. But one question asked by ancient healers and modern doctors alike remains the same: “How are you feeling?”

“We’ve had the ‘quantified self’ for a number of years—sensors that measure steps, weight, blood pressure,” said Bruce Hellman, cofounder of UK-based digital health startup uMotif. “But by only focusing on the quantitative, we miss the whole picture of a person.”

Hellman cofounded uMotif in 2012, inspired by the self-awareness he gained when tracking his sleep after his baby was born. uMotif gives people the tools to record and track their mood, sleep, and clinically relevant symptoms like dizziness or breathlessness on their mobile phone app, and share the resulting data with their doctor and care team to better inform appointments, and treatment plans.

Named as one of 50 UK "scale-ups" that could grow to over £100m in revenue by not-for-profit organization Silicon Valley Comes to the UK, uMotif’s software and apps have been deployed in dozens of hospitals, and profiled in The Guardian, The Daily Telegraph, and The London Times. With a view to scaling strategically, Hellman applied to IDEO Europe’s first Startup in Residence, a three-month-long program to accelerate companies through design thinking. “We brought the whole of uMotif to IDEO: product, organization, branding, approach, and business model,” said Hellman. “We were keen to re-consider just about everything.”

During the residency, the uMotif team embedded with IDEO’s London studio to work closely with an eclectic team of interaction, business, and communication designers, and design researchers, to explore every aspect of the business.

The team found that although uMotif’s organic growth had reflected the rapidly expanding digital health market, the offer was somewhat fragmented as a result. In response, uMotif decided to tighten its sales focus from 14 branches of medicine to just two: oncology and cardiology (with mental health as an R&D area).

In-depth interviews with patients, nurses, doctors, and executives revealed a clear opportunity: “simple symptom tracking for people going through an acute or serious period in their health, to activate and extend the patient-care team relationship,” Hellman says. The focus switched from the Quantified Self to the Qualified Self, coined by the team to reference uMotif’s unique approach to measuring how people feel.

Designers set about reconfiguring and prototyping aspects of the brand, product, business, and organizational model for delivery. Whereas the original uMotif product had been designed with a single clinician in mind, the team designed a new dashboard catering for the reality of modern healthcare—multiple caregivers.

Ultimately, uMotif’s offer is not just about helping patients understand their own health; it’s about providing meaningful insights that enable them to have richer conversations with their care teams—allowing them to work together to improve care plans and outcomes.

“We are a much more focused, confident, and clear organization, truly prepared to scale sales, delivery and clinical impact,” says Hellman, referring to the impact of their participation in the Startup in Residence program. Now back in its own headquarters, the team takes with it a toolkit of IDEO systems and processes with which to run their business and to apply to new projects, products, and services.

“Health systems around the world are quickly adopting digital channels,” he said. “We aim to be at the forefront of this inevitable shift, using design thinking to put people at the centre of their care, improving quality of life, treatment outcomes, and healthcare experience.”

WATCH: uMotif: Sam's Story.

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IDEO designers wanted to take on a challenge: How might we help kids make better decisions around food and being active?

Designers moved forward with three concepts that addressed this challenge from three completely different directions:

• Top Chops, a hands-on cooking adventure that builds kids’ confidence in the kitchen by working toward becoming a Top Chop “master chef.”
• Daredevils, a wearable device that measures the intensity of energy exerted, but doesn’t prescribe the activity, which kids can use to dare each other to reach activity goals.
• Presso, a set of child-size kitchen tools that slice and dice fresh food in imaginative ways, making cooking fun and helping kids feel they have a role in making their own healthy food.

The design team behind this work was featured on 60 Minutes, and some of the resulting concepts were featured on CBS This Morning.

In updating the popular and industry-defining PalmPilot, Palm Computing wanted to reposition the next-generation Palm V as a high-design accessory to set it apart from its many imitators.

Together with IDEO, it crafted a sleek, elegant device, half the thickness of the original in an anodized aluminum housing. Incorporating an internal lithium-ion battery that recharges in the dock, the side rails act as an open architecture to provide attachment for a variety of styluses, cases, and other add-ons.

Here's an example: When I was working as a chef in fine dining, I set out to reinvent a classic—my all-time fave—the bagel, lox, and cream cheese sandwich.

My former boss, Chef Joan Roca, once told me that his most prized dining experience was when he ate the best version of a beloved dish:

"For me, there is nothing like eating the best bowl of spaghetti Bolognese I've ever tried—I don't care if you've come up with the most revolutionary dish made from watermelon and chicken feet, it just doesn't resonate in my memory banks like the familiar flavors of Bolognese do."

The process of reinvention or "deconstruction" is fairly common practice in the modern kitchen. Once you've deconstructed something, it unlocks myriad ideas. Here's what design thinking looks like in the kitchen, as expressed through a new version of the classic breakfast sandwich.

1. DEFINE THE DESIGN CHALLENGE: REINVENTING THE BAGEL SANDWICH

Bagel, lox, and cream cheese immediately transports me to the kitchen table at my Nana's house on a Saturday morning. The flavors are classic, yet sophisticated; a perfect dish to deconstruct for a modern appetizer.

To help you play along, here's a brief definition of deconstruction in the chef's world. The concept, which was made famous by catalan chef Ferran Adria, is to reimagine the elements of an established dish in order to create something new. I love deconstruction because it allows me play with one of my favorite elements of cooking and eating—memory.

2. DESIGN RESEARCH

The next step in recreating the bagel, lox, and cream cheese sandwich was to look into the origins and variations of the dish. I wasn't surprised to learn that the word "Lox" stems from the Yiddish word for salmon, “laks”. (There are Scandinavian roots, too, where fishermen preserved salmon in saltwater brine).

What I didn't know was that in 1869, the transcontinental railroad began transporting barrels of salted salmon—giving rise to its popularity in New York City, especially among the Eastern European Jewish immigrants who came over to the U.S. with a taste for cured and smoked fish.

As for the remaining ingredients: Bagels were first seen on the silk route in China, and then refined in Italy in the 14th century. My polish grandfather told me he used to buy "hard bagels with a huge hole" as a child in Radom, Poland. Capers came from Italy, cream cheese has roots in Britain, and tomatoes came from the new world.

So, none of the key ingredients to the sandwich come from New York City, but it was New Yorkers who put them together. The fact that the combo wasn't "old country" made me more relaxed about reinventing it—at least I knew that my version wasn't bastardizing some 1000-year-old dish, the dish itself had always been a food bastard.

I realized that in order to successfully transport myself back to my grandmother's kitchen table, I had to leave the core elements in their original, unadulterated form somewhere in the dish.

I looked at more than 50 restaurant versions and cookbook recipes for bagels, lox, and cream cheese. Then, I extracted all of the possible elements and techniques that went into the sandwich.

The ingredients included: lemon, lime, chili pepper, black ground pepper, white pepper, cayenne pepper, red onions, white onions, radish, avocado, cucumber, butter, cream cheese, capers, caperberries, olives, pickled scallions, hard boiled egg, chives, dill, tomato. I looked at the whole spectrum of preparations that were applied to each ingredient on my list: fried, scrambled, or hard-boiled eggs; raw, baked, or smoked salmon; pickled or marinated vegetables. There was an almost endless variety of combinations!

3. SYNTHESIS

I created a spreadsheet with the list of ingredients and techniques I'd compiled in my research. The lefthand column listed each possible ingredient; the middle column listed the traditional preparations for each ingredient; and the righthand column listed the options for modern techniques that could be applied in place of the traditional ones.

4. ITERATION (AND FAILURE)

I began to deconstruct the dish ingredient by ingredient, deciding if and how I was going to affect each preparation and presentation. Sometimes I chose dramatic changes like converting drops of lemon juice into an icy lemon granita or transforming smoked salmon into an aerated mousse shot from and ISI foamer. But I also used more common techniques: an alternative cut on a cucumber, dehydration of fresh onions to make chips and powder; crumbled and sautéed bagel in olive oil. Some ingredients were left untouched like the black pepper or some were simply substituted like using marinated cherry tomatoes instead of sliced tomatoes.

I prototyped 10 to 12 iterations of each ingredient before settling on a final version. Conceiving a modern version of the dish that triggered my childhood memory was a bigger challenge than I had imagined. The first 4 to 5 prototypes sacrificed flavor for fancy techniques. One of the versions I came up with was just a bunch of powders—terrible!

Finally, I realized that in order to successfully transport myself back to my grandmother's formica kitchen table, I had to leave the core elements—bagel, lox, and cream cheese—in their original, unadulterated form somewhere in the dish.

5. IMPLEMENTATION

My final version of the dish was a fluid mix of old and new: the presentation and techniques of the dish placed it strongly in the modern kitchen while the flavors remained old-world.

The final version included smoked salmon, toasted bagel, cherry tomato, fresh dill and Philadelphia cream cheese. It also featured smoked salmon rillettes; sieved egg whites and yolks; a Meyer lemon granita; dehydrated purple onions; powdered chives, powdered tomato, and powdered lemon zest (some of the powders made the final cut!); sweet, fried capers; cucumber ribbons, pickled shallots and nitro-dill cream cheese (cream cheese of the future).

When I sat down to enjoy the dish, I could almost hear my Polish Nana telling me, "Ess, mein shayna yingele, ess." (Eat, my beautiful child, eat.) And so I did.

Hi, I'm Danny, the culinary resident in IDEO San Francisco's Food Studio. I've been cooking professionally for many years, and now that I'm here, I've discovered that designers and chefs have a lot in common. We both sketch out initial ideas and then iterate quickly until the product is tasty and ready to consume.

What does the Imagination Institute do?

We are looking at how we measure imagination, so we can explore ways to increase it. The other part of our activity is studying how imagination plays a role in different fields. For this, we’ve been running events (like the one you attended) in which we gather leaders in domains such as education, futurology, psychology, physics, even comedy.

Why pull from different disciplines?

We want to understand what kind of mind is best suited for creating progress within these specific fields. The hope is that we could get some idea of how to develop that kind of imagination in schools. In the school system at the moment, it’s one-size-fits-all. But individual differences matter!

What would you teach, if you were trying to get more creativity into schools?

The value of personal expression. There are so many forces in our lives that put other people’s words in our head. But creativity research findings show how important it is to be able to insulate yourself, and not be contaminated by other selves. Often the best way we can help others is by developing our highest potentialities to their fullest, and schools are doing a pretty crummy job of that at the moment.

Business leaders want the outputs of creativity, but they often have an unconscious bias against creative behaviors and personalities

How do you continue to be inspired by others without losing yourself?

If you are secure in your sense of self, you can be open to new experiences. It’s the people who have the most fragile egos who are insecure and not creative because they are so scared that they could be wrong.

Tell me more about openness to experience. You mention that a lot.

Openness to experience is a personality trait that can be measured. It has been shown to be the number one predictor of creativity. To be creative, you need to constantly be growing. Openness allows that.

Who’s your psychology hero?

I am hugely interested in Maslow and the humanistic psychologists of the 50s and 60s. When they talked about creativity, they viewed it as the height of being. All these ideas are so relevant today, in our age of constant anxiety, with all the pressure to pay attention to other people’s goals.

What’s your take on creativity?

It’s a very vulnerable way to be—to be curious, and a little crazy.

Embracing the messiness of your mind.

Business leaders ask for creativity, but I think people are actually conflicted about what they really want. They want the outputs of creativity but they often have an unconscious bias against creative behaviors and personalities.

Want to know more about how to flex your creative muscle? Go buy Scott’s book, Wired To Create.

I came across psychologist Scott Barry Kaufman at an event hosted by the Imagination Institute, where Kaufman is scientific director. Before being locked in a room for two days to discuss the philosophy and psychology of education, all participants had their brains scanned in an MRI machine. Only later did I realize this was typical Kaufman: He’s made a career of fearlessly mixing hard science with culture to create fresh angles on a question IDEO asks on a regular basis: How can we all be more creative?

Two weeks ago, I was witness to such a moment myself. A colleague and friend, the imaginative Mr. Brown, was doodling a mob of amiable monsters and charming creatures with ink, a brush, and some paper.

Pretty, yes. Cute, maybe. But it was when he was cleaning up that he came across a real gem: With ink-stained hands, he scrunched some paper towel to mop up the inky mess. He dabbed the offensive blob, gave a little twist and twirl with the paper towel, and lifted his hand away.

Underneath shone a ravishing vortex which drew one’s imagination into its depths. Not one to shy away from allowing his imagination to wander, he kept twirling, twisting, and whirling.

Being the cheap bugger that I am, and living in a home filled with empty walls, when I spied these beauties I immediately requested if I could have one once he was done.

His inky booboos are now hanging at home—a prized possession.

It goes without saying that some of the best ideas were borne from a fortuitous mistake: Alexander Fleming had his mold, Archimedes submerged himself in a bath, and Spencer Silver accidently created the perfect adhesive for Post-it notes (IDEO thanks you, Mr Silver).

To better understand the madness of the focus group, I decided to do a bit of research on how it came to be.

The story begins in 1938, when a psychoanalyst named Ernest Dichter left Vienna to escape the Nazis and headed for the US. When he arrived in New York, he made an interesting career decision. Instead of helping individuals understand their problems, he decided to offer his psychoanalytic services to corporations.

One of Dichter's first clients was General Mills, which had a problem with its Betty Crocker cake mix. Its food scientists had formulated a dry mix that required only the addition of water. Once placed in the oven, it miraculously blossomed into instant cake. But after a good start, sales flattened. The executives were baffled: The product was more convenient. Why weren’t the housewives buying it?

Dichter gathered groups of women and put them through exercises derived from Freud’s methods of probing the unconscious, including free association and Rorschach tests. He explored their feelings about relationships and their role in the family. And then he started asking them about cake.

What he took away from these sessions was that cake was more than just a sweet baked product. It was loaded with sexual symbolism. He was particularly fascinated by the ritual of the wedding cake, which featured the husband taking a long knife and plunging it into the white cake.

His conclusions, like a good cake, were multilayered. First, the cake was symbolic of the wife’s relationship to the husband, and so she felt guilty making it by just adding some water to powder. Second, the sexually charged nature of the cake meant that it had associations with fertility, even childbirth.

Ernest Dichter and a Betty Crocker ad from the 1950s that anoints cake as the great unifier—almost as good as make-up sex.

His solution to these complex issues was simple: General Mills should remove the powdered egg from the formulation, and instead require housewives to add their own fresh eggs.

It’s hard to know whether the executives were swayed by Dichter’s Sexual Theory of Cake, or whether they liked the fact that removing the eggs would save money. Either way, they took his advice. And, sure enough, sales soared.

In the following decades, Dichter imitators turned his methodology into a hackneyed formula, and the focus group lost its way. We wondered if we could bring emotion and surprise back with a 21st-century reboot of the technique. Here are the five principles we followed:

1. Break the mirror

Hiding in a dark room behind a two-way mirror distances you from the consumer. If you want to find out what makes people tick, get eye to eye with them in the room. If you find this uncomfortable, suck it up: Discomfort is a sign that you’re learning something.

2. Lose the clipboard

The dynamic of “moderator and participant” creates an authority relationship in the room, which can lead to participants saying what they think they are “supposed” to say. Try having the questions served up differently—such as pulling them at random out of a jar. People will share more when they feel they’re having a natural conversation.

3. Think dinner party, not jury service

The original idea of focus groups was to create an environment in which people encouraged each other to share their feelings. Today’s sessions are often stiff and with the same amount of social interaction you’d expect from people doing jury service. So, do whatever you can to create a warm social environment. In our recent experiment, we started the session with 30 minutes of improv exercises, run by a trainer from Second City.

4. Record video confessionals

When Dichter ran focus groups, he would make all the interpretations and deliver a report to the client. These days, the client needs to feel some empathy themselves. The best way to achieve this is video, but an intrusive camera lens can cause people to clam up. We solved this by running interviews using a hidden-camera technique pioneered by the documentary filmmaker Errol Morris (see below).

5. Talk about the why

All the clever methods in the world won’t help if you don’t have the core goal in mind: understanding the motivations behind human behavior. We live in an age of data: We have more information than ever before that will tell us what people are up to. But the greatest inspiration comes when you can form theories about the why. Despite being more than a half century old, the focus group is still one of the best techniques for achieving this.

The Errol Morris–pioneered "Interrotron" puts interviewees at ease by giving them the impression they're speaking to another human, not a camera lens.

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Focus groups suck, right? Bored people sitting in front of a mirror, delivering canned opinions on demand. Everyone from Silicon Valley to Amy Schumer pokes fun at them. But it wasn’t always this way: When focus groups started in the 1950s, they represented an exciting new way to probe the emotions and motivations underpinning human behavior. How did they get so staid and safe?

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.