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.

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.

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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.

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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.