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Latest work

Finding hidden talent

A social enterprise rewires America’s labor market through inclusive design.

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Case study
Case Studies
Strategic Futures
Creative Capabilities
Learning & Work
Public Sector

American businesses are on notice: To be competitive in today’s market, you must diversify your workforce.

One way to widen the talent pool is to pay closer attention to people who have acquired their skills through alternative routes. Millions of Americans learn on the job, in community colleges, at boot camps, or through life experience. According to Opportunity@Work, more than 70 million Americans are overlooked because of degree requirements. Despite their abilities, these “STARs” (those who are skilled through alternative routes) find themselves stuck in jobs for which they’re overqualified and underpaid.

Opportunity@Work, an innovative social enterprise, reached out to IDEO to help collaborate with companies, talent developers, and STARs seeking career growth. To make this overlooked talent pool more visible, we created a campaign and video to rally companies. We also designed a data dashboard to help regional employer networks identify qualified talent and potential partnerships with skill-building programs. And to provide STARs with direct support, we scaffolded the job-seeking experience, focusing on key moments like the interview process.

It’s time for businesses searching for talent to open their eyes, look to the STARs, and see what they’re missing.

83% of HR professionals said they had difficulty finding suitable candidates in the past 12 months.

62% of Black people, 55% of Hispanic people, and 50% of non-Hispanic white people have become skilled through alternative routes, such as community college, workforce training, boot camps, certification programs, military service, or job experience.

Over the past 40 years, inflation-adjusted wages have increased 8% for college graduates with a bachelor’s degree while decreasing by 15% for people with only a high school degree.

Thousands

of state jobs in Maryland no longer require a four-year college degree

skills-based

The White House is adjusting educational requirements for I.T. professionals in favor of a skills-based approach
It’s quitting time. Roughly 47 million people voluntarily left their jobs in 2021, leaving companies struggling to find talent. And that’s a hard problem to solve, because hiring in America is broken: Too many opportunities are denied to skilled candidates because they lack a bachelor’s degree. Employers rely on degrees as the main qualifiers for jobs, but historically the university path has been blocked for many. This opportunity gap is turning America into a two-class society. To break that pattern, Opportunity@Work convened a powerful network of partners and asked IDEO to help bring visibility to this overlooked talent pool.
A campaign aimed at breaking down barriers between businesses and the talent they miss when bias creeps into recruiting.
Breaking down barriers between employers and the talent they're missing.
Opportunity@Work
North America
Opportunity@Work
Finding hidden talent, Opportunity@Work, education innovation, learning experience, future of work, public sector innovation, government services, civic innovation, inclusive design, accessible design, equitable design, systems thinking, systems design, service ecosystem, student experience, future of education, innovation, education, learning, government

Experts on the front lines

Recognizing the power and creativity of essential workers.

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Case study
Case Studies
Breakthrough Products
Public Sector

For many organizations, frontline workers like grocery store clerks, nurses, hospitality workers, and transit employees are an essential part of doing business.

So much so that they continued to show up at the office throughout the COVID-19 pandemic even as everyone else went remote. As the point of contact with customers and key systems, these workers often know exactly when, where, and why things don’t work, and they come up with powerful hacks and workarounds to make things better. Yet these insights and innovations rarely make it to the corporate office. And that’s a problem: large organizations often hire design and innovation consulting firms while not taking advantage of a latent source of deep, in-house expertise. It’s equally discouraging to workers who would gladly share their ideas if they were only asked. No surprise, then, that frontline workers are quitting their jobs in droves.

What could companies learn by listening?

IDEO partnered with the Ford Foundation to create the Worker Voice Design Lab, where leaders from a port authority, an airline, and a health care provider worked alongside frontline workers. That led to the planting of a seed of innovation in each organization, with interventions designed with and by workers implemented operationally at the core of the business. In one case, a group of workers zeroed in on specific problems with such clarity that they were quickly able to develop a digital prototype for testing. No one was less surprised than the workers themselves, who simply said: Well, nobody ever asked us before. Sometimes the most innovative idea a leader can have is to listen, learn, and act on their employee’s smart ideas.

A large portion of the job churn since March 2020 has been concentrated in frontline services such as accommodation, food services, and retail.

Lack of career growth is the number one reason people leave their jobs according to more than 18,000 frontline workers across 150 companies.

2 pilot initiatives

being led by frontline workers in 2022
When it comes to improving customer experience, large corporations often get in their own way. Workers on the front lines—a category that expanded during the pandemic to include food service, hospitality, transportation, and other work that deals directly with the public—have key insights about how to improve things, but their observations get lost in layers of operational friction. That frustrates everyone. To address these pain points, Ford Foundation and IDEO helped three companies test a theory: If they relied on frontline workers as experts, could they accelerate innovation while improving job experience and retention at the same time? Together we created the Worker Voice Lab, a program focused on advancing business innovation and work life in parallel.
By co-designing with frontline workers, employers find that the path to new ideas can also help retain talent.
How to accelerate innovation and improve job experience and retention.
Ford Foundation
North America
Ford Foundation
Experts on the front lines, Ford Foundation, public sector innovation, government services, civic innovation, customer experience, user experience, experience design, service design, growth strategy, business growth, scaling innovation, user research, customer research, consumer insights, retail experience, store of the future, consumer experience, hospitality design, hotel experience, future of hospitality, food experience, food systems, future of food, mobility design, future of mobility, employee experience, workplace design, team collaboration, innovation strategy, business innovation, design innovation, innovation, strategy, research, prototyping, creativity, healthcare, retail, mobility

Customer powered

How Ford transformed itself to take on the future of mobility.

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Case study
Case Studies
Strategic Futures
Creative Capabilities
Mobility
Climate

The climate era demands new offers and new ways of working.

Would you like to be able to plug your jigsaw into your truck? How about taking a fully reclined snooze after a long day of fishing? Questions like these led to quick prototypes that ended up in Ford’s new, electrified F-150 truck, which has more outlets than the average apartment and can power your entire home. This was no small update. The way Ford reimagined the truck experience from powertrain to power nap is emblematic of how much customer-centricity is now embedded in Ford’s culture.

Ford designers working on a prototype of the Ford F-150

For well over a decade, we’ve partnered with Ford in the U.S., the EU, and China to help the organization bring to life a shared vision of the future of mobility. Together we scaled new capabilities throughout the company by running proof-of-concept “beacon” projects and, to embed this new customer-centric mindset, built a human-centered-design hub called D-Ford. This organization within the organization has become a magnet for talent and is spread across six global locations: London, Shanghai, Melbourne, São Paulo, Palo Alto, and Detroit. Ford’s commitment to serving the needs of people and the planet is what propelled the rethink of the F-150, the best-selling vehicle in the U.S. for over 40 years. It was a high-stakes move, and one that represents a major turning point for the automaker: For the first time, its primary profit source would be electric. The new Lightning is still built Ford tough, but also built for the future.

Passenger vehicles produced 41% of carbon dioxide emissions worldwide in 2020.

One in every 20 passenger vehicles sold in the United States is a Ford F-150.

Before going electric, the Ford F-150 emitted about 100 tons of CO2 over a 200,000-mile lifespan.

200,000

pre-orders of the electric F-150 truck, named one of Time's Best Inventions of 2021

Most Innovative Design Company of 2022

according to Fast Company
When a company has been in business for more than 120 years and employs 183,000 people, changing how it works is like turning an ocean liner: You rotate the wheel slowly and make sure everyone is on board. Jim Hackett, who became captain of Ford’s ship in 2017, knew that the company would have to transform itself to remain competitive and future fit. For over a decade, we've helped the automaker see the future and make it tangible. That’s changed how the company works, most visibly in its internal human-centered-design hub, D-Ford. Hackett retired in 2020, but for new Ford CEO Jim Farley, the year 2022 has been a banner one. The automaker’s electric fleet—including the Mustang Mach-E and an all-electric version of America’s best-selling truck, the new F-150 Lightning—has been wildly popular.
The research that led to Ford’s electric F-150 truck proves that asking people what they want doesn’t always reveal what they really need.
Ford builds new design capabilities, as well as the electric F-150.
Ford Motor Company
North America
Ford Motor Company
Customer powered, Ford Motor Company, mobility, transportation innovation, climate innovation, sustainability, business transformation, organizational transformation, culture change, human centered design, design thinking, customer centricity, climate strategy, sustainable design, circular economy, mobility design, future of mobility, future strategy, strategic futures, designing for the future, understanding user needs, how to make business more sustainable, innovation, strategy, research, prototyping, transformation, transportation, how do we innovate

Beyond the bag

A coalition of retail leaders join forces to address single-use plastic-bag waste.

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Case study
Case Studies
Strategic Futures
Creative Capabilities
Climate
Consumer Products & Retail

America’s leading retailers share a common goal—doing less harm to the planet.

The systemic challenges standing in the way require a bold new approach, and no single company can solve them alone. So Closed Loop Partners convened a group consisting of founding partners CVS Health, Target, and Walmart, along with 12 other leading retailers. As the innovation partner, IDEO helped launch a global search for breakthrough sustainable ideas that yielded more than 450 submissions from startups and entrepreneurs to reinvent the single-use plastic retail bag, with nine finalists entering a six-month accelerator.

Goatote reusable bag kiosk in a store

New alternatives ranged from biodegradable solutions to systems that kept reusable bags in rotation. IDEO teams not only facilitated collaboration between startups and sustainability leads from partner retailers, but also provided a boost of additional expertise from industrial, data, and business designers. In a matter of months, teams were able to launch prototypes in select CVS Health, Target, and Walmart stores in California and New Jersey.

Everyone involved in the consortium knew that replacing single-use plastic retail bags is a problem that won’t be solved quickly or easily. But the Beyond the Bag challenge helped them learn that designing for the policy and infrastructure of tomorrow requires tangible steps, taken together, today.

A hundred billion plastic bags are used in the US every year, and less than 10% of them are recycled.

Every year, plastic retail bags are among the top ten items found on beaches and waterways worldwide.

9

stores tested solutions across Northern California

Millions of dollars

raised by two startups

2

startups acknowledged by Fast Company's World Changing Ideas Awards

In 2020, Closed Loop Partners, a circular-economy-focused investment firm and innovation center, convened the Consortium to Reinvent the Retail Bag with a group of America’s largest chains. IDEO joined as an innovation partner, helping to source nine promising startups in the Beyond the Bag challenge. The consortium was built for action, allowing winning startups to pilot their products and programs in the wilds of major retail. The multi-year collaboration shows what’s possible with unprecedented partnerships. Because a waste-free future needs to be designed by everyone.
Walmart, Target, CVS, and more put collaboration above competition to begin the ultimate end of single-use plastic bags.
A coalition of retail leaders join forces to address single-use plastic bag waste.
Closed Loop Partners
Closed Loop Partners
Beyond the bag, single-use plastic, plastic bag waste, Closed Loop Partners, climate innovation, sustainability, consumer products, retail, consumer experience, retail innovation, creative leadership, leadership development, co-design, participatory design, community engagement, climate strategy, sustainable design, circular economy, healthcare design, digital health, patient-centered care, retail experience, store of the future, financial services innovation, banking experience, financial inclusion, future strategy, strategic futures, designing for the future, innovation strategy, business innovation, design innovation, innovation, strategy, prototyping, entrepreneurship, leadership, creativity, healthcare, financial services

How to build a great emerging tech product

Getting the technology right is only half of it.

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Article
Articles
Images created with Midjourney

Designing emerging tech is different from traditional product design. Much of the time when we do user research, our participants are already kind of familiar with the interaction models we’re presenting. They know that a fob unlocks a car, or how to type queries into a search engine, or how a toaster usually works. But when you’re working with a new technology, potential users have no known reference points, which makes it much harder for them to know how to use it in a way that provides real value. Think about early drivers trying to figure out how to crank-start a model T, when their previous transportation was a horse. 

With emerging technology, wild rumors about the technology precede widespread adoption, and the gap in understanding how to use it can feel enormous. That makes providing a user experience people love, the most important piece of the product’s design.

It can also be the trickiest part. After all, you’re designing something nobody has ever used before—not even you. At IDEO, we’re really familiar with this ambiguous place—the space between a new technology everyone is excited about, and real products that provide real value for their users. We’ve spent a lot of our history there, creating everything from early computer mice to IKEA’s kitchen of the future to dancing robots.  Here are some simple rules we follow when we’re trying to get from unknown technology to products people love.

Lean into co-design

Designing with potential users helps us understand how people will respond to a new technology.

In the last year or so, IDEO’s Play Lab dug deep with Gen Z users to test out what they actually want from AI-enabled products. Often, companies assume that if it’s new and it’s possible, young people will be into it. We wanted to test those assumptions, creating concepts like an AI concierge that could plan your trip, or a creative problem-solver that could hand you the solution when you get stuck. 

Instead of fully building them out, we made really early prototypes that let them test the idea of the product, rather than a fully-built product itself. That was enough for them to understand the experience, and their feedback was clear: They want useful tools that take care of hassles, but they still want life’s messy moments. Tech is not a solution to their relationship issues, and they don’t want it to be creative for them. They want tools that help them maintain their humanity, not supplant it. The Gen Zs we worked with then helped us rethink the ideas to fit their needs. Our final designs and insights were much stronger because of it.

Insights like these, which are hard to come by without co-design, can uncover what users really want, long before a product hits the market, helping you make better investments with your development dollars. 

Break norms

A major purpose of emerging technology? Providing new value to people through new user experiences. If we stick with existing interaction paradigms, we’re missing the point.

The purpose of XR is to overlay reality on our reality, or to take us into new realities. If we’re designing a website inside of VR goggles, that seems like an underwhelming use of the technology. We should take advantage of its capabilities—the fact that it’s a big open space where we can have interactive experiences, and that the audio can come from all around us, and that it's social and connective with people all around the world. If we’re just designing a flat website, we’re making a black and white tv in a color tv world. 

Similarly, in the generative AI space, everything is a chatbot. That’s because we’re used to interacting with intelligent things by talking to them. 

But look around, and you might discover a whole category of people trying to rethink how we can interact with intelligent machines. AI hardware companies are showing us how there are so many new possibilities of how to use technology in our daily lives (some more successfully than others). Brilliant Labs’s glasses that can translate what you hear; Limitless’s wearable pendant, which remembers the details of your workday; Meta’s AI glasses that allow you to ask questions about what you see. All of them create new user experiences—and the best ones are very different from what our existing gadgets are designed to do.

Embrace unexpected collaborators

Here’s an idea for you: Bring a group of creatives—musicians, electrical engineers, designers—into your emerging technology lab. Ask them to experiment with the technology you’re developing.

There is a long history of creatives helping technologists unlock new ideas and possibilities for what the technology might do.

Take John Cage, the avant-garde composer who collaborated with engineers and technologists, particularly at Bell Labs in the 1960s. Cage wasn’t an engineer, but he was a visionary artist who explored the boundaries of music and sound. His approach to music was deeply experimental, and he often used technology as a tool to create new forms of expression. His creative explorations led to tangible developments in electronic music, influencing the design of synthesizers, advancements in sound manipulation, and the foundation of interactive and generative music. Cage’s work encouraged technologists to think outside their usual constraints and explore new creative potentials within their inventions.

IKEA did something similar, when it decided to make the kitchen of the future. Years ago, they asked us and a group of students to explore the social, technological, and demographic forces that would impact our relationship with food in 2025. IDEO took their research and designs and built out a full concept kitchen that could help guide product development into the future.

Focus on design from the outset

Too often, companies focus on what they can build, rather than what they should. You can make the most cutting-edge technology in the world, but if your customers don’t like it, you don’t have a product. Bring them into early stages of the development—rather than as a panicked afterthought when you might discover that customers aren’t adopting what you made.

That doesn’t mean you have to invest your entire budget into speculative design work that might not pay off; after all, you may not even be sure the technology itself is feasible. But at a minimum, design can help you understand where technology might go so you can ask the right questions, consider what comes next at each development milestone, and make a plan for when and how designers, design researchers, and product people can help you think about which areas of the technology will be most valuable to users and should be developed.

When Willow set out to redesign the breast pump experience, the startup tapped IDEO and Function Engineering as partners, creating a cross-functional team of researchers, industrial designers, and mechanical engineers. Together, they uncovered mothers’ unment needs, and designed and engineered a more human-centered version of a device that hadn’t changed much in 25 years. Now, instead of being stuck shirtless, tethered to a wall, mothers have the option of a cordless breast pump that fits under their clothes.

Prototype to widen your aperture

When the founders behind education startup Ethiqly came to us to create new tools for students and teachers, they didn’t ask, “How can we use AI in the classroom?” They looked at the bigger picture: “How does gen AI change what it means to be a student?”

Then, we jumped into prototyping to test the capabilities of the technology. We created interactive prototypes, building generative AI mini apps that let us test key research questions. Could gen AI help teachers give students feedback more effectively at scale? Could providing students with prompts help them get past the hurdle of a blank page? The prototypes we made suggested feedback that teachers could choose to share, and encouraged students to interrogate their own ideas. That’s what learning how to be a good writer is all about; it’s not just generating an essay, it’s digging into and uncovering your own perspective and what you want to say. So that’s what the final product we designed helps you do—uncover your voice. Prototyping allows us to see the possibilities outside the constraints of what we’ve imagined. It lets the technology tell us what it can do, which uncovers new possibilities for how we might use it.

Make a vision, but don’t get too attached

Visions keep us from wandering aimlessly, which is a good thing. But when you’re working in the completely new and speculative environment of emerging technology, getting too attached to an early vision can limit your progress. 

Think about Large Language Models. Entrepreneurs in the space have been really serious about building chatbots, like some version of the AI love interest in the movie “Her.” And sure, there seems to be a market for romantic partner AIs—but if those companies had stuck with just that, they would have missed out on ground-breaking enterprise products, educational products, and more. From the outside looking on the journeys of LLM startups, it seems that they realized they needed to prioritize what their customers want—which is a little different from the Hollywood vision.

The possibilities for what we can create with emerging technologies are endless (that’s what makes this the most fun job ever), but it’s also what makes it hard. It’s part speculative, it’s technical, and it’s creative. It comes with ambiguity, and long timelines. Even those of us making it don’t always know exactly what it might become. But by leaning into the design process, and following guidelines like these, we can make it a lot easier to iterate our way to undiscovered gold mines of innovative ideas and new possibilities. 

Want to explore these ideas further? Reach out to emergent@ideo.com.

Many of the companies I talk to ask me some version of the same question: There’s this amazing new technology. We’re excited to adopt it to create a really great product. But how do we make it stick?

AI & Emerging Tech
how to build a great emerging tech product, ai, emerging technology

Innovation isn’t about having all the answers

But it always starts with asking the right questions.

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Article
Articles
(images created with Dall-E)

He outlined his thesis, built over many years of creative problem solving: Almost any creative endeavor can produce an output–a digital experience, a new brand, a physical product, a reimagined service–but the quality of that output is wholly dependent on how we frame and examine the problem it’s meant to solve. For years, his thinking has stuck with me: Obsess over the question. Questions are a tool to guide our thinking, and, to address the biggest, gnarliest challenges facing society today, we need to think in radically new ways.

Questions can serve two purposes: They can open our apertures, allowing us to uncover new approaches to familiar problems, or they can focus our efforts by providing clarifying constraints on formidable challenges. In both cases, a well-crafted question allows you to examine a problem in new ways, stress-testing potential solutions to ensure innovation is successful and doesn’t fall into a trap.

Across our interactions at IDEO–in our health portfolio and beyond–we encounter organizations looking for answers to the most critical challenges that they are facing, and, in response, many groups purporting to have the answers. AI products that will “unleash the power of your workforce,” digital solutions that will “fix your patient experience,” or elixirs that will magically cure every conceivable ailment hindering your organization today. But, when you are holding a hammer, everything looks like a nail. And when organizations start with solutions, the impact of their innovation efforts will be at best limited, and at worst, will completely miss the mark, squandering opportunities and investments.

So, when faced with a daunting challenge, jumping to solutions with “guaranteed” results can look attractive, but doing so may very well limit you to what is possible right now. The questions we ask are a starting point to allow us to envision beyond today, unlocking new solutions to the toughest problems.

Recent history in digital health serves as an excellent example of solutions looking for problems. While “digital health” is now an established term, we are yet to realize the value of a decade’s worth of the progress it promised. To date, even the most future-facing digital health initiatives have been focused on gathering data to drive efficiency or improving costs by outsourcing to digitized solutions. But the true value of digitized health will come when we find the meaning in the data that we gather. It will fuel more integrated health services that fit it into the ways we experience our own health and improve both quality of life and outcomes. Technology for technology's sake will not advance this cause, but digging into genuine problems and asking how our emerging technologies can enable us to innovate in genuine, human-centric ways will. 

By reframing the problem in the first place, we may land on better solutions. How might we enable people to live healthier lives before they find themselves requiring clinical care? How might we enable better collaboration across sectors to transform into the health systems we need for the next generation? How do we leverage human expertise alongside AI? Individual technologies will not be the answer; they will be enablers within a system redesigned with these considerations in mind. 

The opportunity in healthcare is keenly illustrated by developments in the financial sector. Startups and challenger brands have used human-centered innovation to disrupt incumbents in a highly-regulated space by transforming the customer experience. The resulting reset of market share has forced the established financial institutions to elevate their own customer experience to keep pace with these new entrants, accelerating innovation and investment. With the global healthcare industry attracting spending comparable to the annual GDP of a small country, it is only a matter of time before disruptors come along and rip up the existing healthcare rule book. Because if large incumbent brands don’t innovate, someone else will. 

In healthcare and beyond, many organizations acknowledge that AI will be a significant part of their future success, but—to change the question again: What do humans in the experience deem desirable? How should the experience be elevated? What value might new, emerging technologies unlock? 

The answers may lie outside of traditional healthcare itself. The industry doesn't exist in isolation. It’s heavily influenced by politics, policy, geography, and climate, and it is deeply integrated with other parts of our daily lives.  Today, the health of people, communities, and our planet are inextricably linked. To understand just how interconnected they are, consider the following facts: 80 percent of health outcomes globally are driven by non-clinical factors–the environmental conditions in which people are born, grow, work, live and age. And at the same time, healthcare is responsible for 10 percent of global material extractions and 4.4 percent of emissions, contributing significantly to the very environmental issues that are increasingly impacting human health.

With both the healthcare system and the planet under such extreme pressure, small changes are not the basis of a winning strategy. If we are able to frame the right questions, we might be able to shift the preconceived constraints that exist today and create better systems, experiences, and solutions that address real human needs for the future. 

If you take a hard look around healthcare, you’ll see many solutions, but few that address those big, gnarly challenges. And yet, the need has never been greater. Organizations of every size should carefully examine the questions guiding their efforts: Is this solution solving a genuine problem? Are we placing people at the heart of our solutions? Is the innovation effort set up for success? 

If the answer is no, then the first step is to go back to the problem and ask: Do you have a great question that your innovation efforts are trying to answer? Does it represent the humans in the experience? Is it oriented around an outcome? Does it acknowledge the wider context? And is it broad enough to represent a number of possible futures, while being constrained enough to make meaningful progress?

With ever-increasing societal and commercial pressures, now is the moment to radically rethink our broken health systems. It’s a huge job, but there’s an easy place to start: Ask the right questions. 

Exploring how to innovate in new ways? We would love to chat.

One of the most impactful lectures I had in my early years of design training was from a professor who sought to reframe the purpose of design.

No items found.
innovation isn't about having all the answers, innovation

The future Is financially inclusive

A preview of 3 global financial shifts we’ll see over the next decade.

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Article
Articles

It will shift from something physical in our pockets to a seamless layer embedded in every service. Financial tools will be hyper-personalized and smarter thanks to AI. This will benefit everyone, but it will have the most positive impact on those in the last mile: low-income people in emerging markets, women, and rural communities. Businesses will benefit, too. Tapping into billions of underserved customers will unlock growth. All these factors make a more inclusive future of money not just long overdue, but also inevitable.

For the past five years, IDEO has been exploring what’s possible for the future of finance with Last Mile Money, an innovation program that accelerates new financial products for those who traditionally have been excluded from financial systems. We’ve worked with partners to launch more than 100 pilots, prototypes, and products to connect them e with better financial options. Now, we’re sharing the lessons we’ve learned in advancing inclusion, gender equity, and the digital economy. And we’re inviting the global finance community to learn, replicate, and scale our innovations—or to come up with even better ones. 

A big part of this work has been looking closely at the signals that tell us what the future of finance will look like. And over the next 10 years, we predict three seismic changes in the world of money:  

#1. Women will be at the center of finance.

Digital products will be built for women, not adapted to include them. 

Women are underserved by the world of money. One-third of women in emerging markets do not have a formal bank account, excluding them from high-quality options to save, grow a business, or plan for their family’s future. Meanwhile, businesses are missing out on billions of customers, and many are realizing they must change: They need to center women’s financial needs, not only to be more inclusive, but for their own growth.

In Pakistan, the global consumer-goods company Unilever launched Guddi Bajis, a program for rural women to earn a living by delivering household goods to other women’s homes. IDEO worked with Unilever and the startup Finja to design a digital experience for these women that was culturally-sensitive and optimized for first-time internet users. These digital Guddi Bajis were able to grow their businesses by leveraging smartphones, digital payments, and credit—often for the first time. And to great sucess: They reported up to a five-fold increase in income after accessing digital credit. Not only were these female agents able to earn and increase their own livelihood, the program  also benefitted their customers—women in their communities.

Future #2. The last mile will be no mile at all.

The last mile will not be defined by location, but by network access. 

Historically, geography has been a big determinant of who can participate in financial systems. People living in very rural areas in less developed countries were simply left out. But as internet connectivity spreads into more corners of the globe and the digital economy enables work from anywhere, the line between urban and rural will no longer decide prosperity. Instead, it will be determined by how active and connected we are in digital networks. And what may seem like unexpected partnerships today will set the norm for how businesses reach the new last mile of people tomorrow. 

Our team saw this in action in Indonesia where global food company Cargill had a problem sending payments to cocoa farmers in rural areas. So, we brought in Grab, a major tech company behind an e-commerce app where farmers could sign up as agents to facilitate payments on its platform. Now, payments that used to take seven months get to farmers in only 10 days, boosting satisfaction with Cargill. And rural agents actually performed 111 percent better than agents in small cities, exceeding a target for gross merchandise value, according to Grab data. Better yet, the “star agents” turned out to be women who had strong ties in their rural communities and were active in social-commerce networks. This effort was so promising that Grab is scaling the model among women merchants and drivers elsewhere in Indonesia, bringing digital livelihoods to more underserved people regardless of geography. 

Future #3. Financial services will be invisible.

Our everyday lives will be enabled by a seamless layer of AI-driven, embedded finance.

As our lives become ever more digital, finance is becoming just another layer of daily life, seamless and embedded. We’ve seen this with apps offering personalized financial guidance, automated investing, and credit when we’re online shopping. Now it’s happening for the rest of the world. 

In Tanzania, when merchants run short of funds, they can get instant credit so their sales aren’t interrupted. This is thanks to Kuunda Digital’s automatic service that pre-qualifies merchants and makes accepting credit as easy as responding to a text message. Even small amounts of capital delivered just-in-time have helped merchants earn more revenue and lifted transaction volumes for banks and telcos. With support from IDEO, Kuunda brought this embedded-finance solution to new markets. Globally, Kuunda has scaled to 6.1 million active users and has distributed $1 billion in loans.

Already, we’re seeing signs that these shifts are beginning to take place. But more importantly, folks at the last mile are really beginning to feel them in their own lives and communities. A decade from now, these seismic changes won’t even feel new. And we invite everyone in this space, from startups to behemoths of finance, to help build the tools and pathways to make that happen. 

Learn more at Financial Futures, where we explore what’s possible for the future of the last mile.

In the year 2034, money will work dramatically differently than it does today.

Financial Services
the future is financially inclusive, financial services, fintech

Put your phone down and sit in a circle

Lessons on fellowship design, from a fellow themself.

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Article
Articles

As I swam, in a meditative cycle of inhale and exhale, I was deep in my brain, totally engaged, thinking about the project I’m working on as part of my fellowship with the Aspen Institute. That’s when I realized just how well-designed this fellowship is. And I should know. I design fellowships for a living.

The First Movers Fellowship is part of the Business and Society Program at the Aspen Institute, a non-profit organization committed to realizing a free, just, and equitable society. Since its founding, the Institute has worked to drive change through dialogue, leadership, and action in communities at home and around the world. 

Back in 2009, Nancy McGaw, author of Making Work Matter, designed the fellowship with her team and some help from IDEO. The idea behind the program is to advance “social intrapreneurship” within organizations; aka to drive social impact goals alongside business goals. Because, as McGaw put it in her book, “There is increased urgency in companies to adapt and innovate … with attention to the footprint they are leaving on communities and the planet.”

Now, a decade after I first heard about it, and four years since I first designed a fellowship, I’m a First Movers Fellow. My project is about centering and amplifying the practice of inclusive/responsible design at IDEO. I am so lucky to get the chance to be a part of this amazing cohort, and also part of IDEO’s history with the program. (In 2009, Jocelyn Wyatt, former CEO of IDEO.org, was a fellow working on a project that soon became IDEO.org itself. A few years ago, Michelle Lee partnered with toymakers and external organizations to help drive digital experiences that can help people thrive. Pretty big shoes to fill.)

Already, I am learning so much from the other fellows and the curriculum. But as a fellowship designer, I am also relishing the details and intentional design that creates truly transformative experiences. Here are some core principles that can make a fellowship genuinely great. 

Seeing eye to eye (literally)

It’s important to design fellowships to ease folks into new spaces—and meeting new people—with care.  Groups bond more quickly when facilitators break up mass conversation into smaller groups and randomize them, to get everyone to talk to everyone. When I met with the Aspen Fellows for the first time, we sat around a circular table, where everyone could look at each other. (There is even a circular building on the Aspen Institute campus specifically for this purpose.) It made a surprisingly big impact. And there were no fancy titles on our nametags—just our first and last names. (And pronouns. Which may have been on my behalf, and I really appreciated it.) 

At a retreat I helped design for the Earthshot Prize, Prince William’s environmental award, my team focused a lot of our time together on helping our fellows bond. We created peer groups, paired fellows up to go on walks with discussion prompts—we even had them make chocolate together. At dinner in Aspen, they scrambled our name tags every night, and gave us new conversation prompts to facilitate table-wide sharing. One night, they asked, “What’s one thing that your younger self would be proud of?” Which, at my table, had us talking about everything from chicken nuggets to the origins of our names—and yes, some of us cried. 

No tech at the table. Ever.

In the business world, we’re so used to using technology to be in multiple places at once. But how well do we show up in either place when we do that? On the first day in Aspen, they told us, “When you’re here, you’re here, and if you have to take a call or text someone, leave the room. The table is a sacred place for presence and connection.”

Draconian, maybe, but I can’t tell you how productive I felt while we had our phones turned off, how-in-the-moment and engaged I remained. It works. And everyone should enforce it more: at fellowships, at conferences, even on daily standup meetings. Presence is powerful. 

Nature AND nurture

Many fellowships are held at naturally beautiful places, and there is really something to it. Being in nature helps people breathe more deeply, and allows nervous systems to calm down, especially for city dwellers so used to the sounds of buses and 4 a.m. trash hauling. It’s actually something people have asked for in every fellowship I’ve ever worked on, and for climate activists, scientists, and organizers, it’s also a deeper connection to their work to save the planet.   

At The Rockefeller Big Bets Climate Fellowship, fellows meet at Bellagio, the foundation’s property tucked on the lush mountainous hillsides of Italy. It should be a part of every fellowship—because boy do fellows need it. (Don’t we all?) 

Roses are red. Tears are blue. Reflection makes people vulnerable, too.

The First Movers Fellowship is designed around four pillars: community, innovation, leadership, and reflection. As I read that last point, I was skeptical. When I was running fellowships and we were short on time, reflection was the first thing to go.

But the Aspen Institute holds it sacred. Every morning, we’d read a poem together as a group, and then reflect on it together. No matter how packed the schedule, or how busy the day ahead, we’d read a poem, journal, go slow, and stay quiet. It was an on-ramp to the day. And a beautifully deliberate design choice.

On the third day, they shared this poem, (which someone in my cohort aptly called a sermon). After three days of becoming more vulnerable and authentic together, half the room was sobbing, openly, loudly. This openness led to more sharing, more intimate conversations, and funnily enough— better advice for my project. Yes, we instantly felt closer, which had an impact on how we worked together.  

Read the room

As much as I valued poetry and reflection at Aspen, it is really important that fellowship designers keep their agendas dynamic, and adjust to the needs of the people in the room. At the Earthshot Prize retreat, we tried to make space for reflection—but we learned, it wasn’t what fellows needed most. While our sound bath activity was highly-attended, we swapped out our daily morning meditation moment to give fellows more transition time in the after-breakfast time slot. I loved writing and leading these nature-based visualizations, but loved giving the fellows that space to do what they wanted, even more. 

Free time frees the mind

When I looked at our schedule for the Aspen seminar, I was astonished to see big breaks every day. There were organized activities that folks could go do together, like hikes, gondola rides, and ice cream in downtown Aspen, but fellows could own their schedules. I swam each day, and really took reflection to heart. And every afternoon, I found myself coming back ravenous for the content and conversation, more engaged and more present. It seems counterintuitive, really, but those breaks made me work more. 

After the first year of the Earthshot Fellows retreat, we asked for feedback about the experience. One of the resounding themes was a call for “more time to just relax,” and “space to get to know each other outside of the content.” And we listened, adding it in the next year. 

It’s hard to solve big problems alone 

When I was being interviewed by a former Aspen fellow as part of the application process, they stressed over and over how important community and connection is for the success of the program. After only five days with the Aspen fellows, I felt so close to all of them—a crucial source of support in the fight to tackle big problems, like inclusive AI and research, menopause tech, indigenous farming support, equitable financial systems, to name a few. 

And creating intentional space for people to be vulnerable and honest about what they're going after —It's the only way to set them up to make true progress. And it’s the future vision that I’ll never stop designing for. 

A few weeks ago, in the middle of a Monday, I was slowly swimming laps in a beautiful saline pool just below the peaks of Aspen, away from my laptop and dings of Slack.

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put your phone down and sit in a circle

Lindsey Turner

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

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Leader
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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.

My tween twins teach me more about technology and gen-alpha than the last decade of trend reports.
Making things that matter
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Rachel Young

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

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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.

The greatest project to which I’ve ever contributed is raising my two daughters with my husband.
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Brian Pelsoh

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

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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 love a good crit.
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Tony Wong

I am responsible for IDEO’s long-term success in China and working with clients to use design as a tool to enable growth.

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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.

I have a thing for antique maps.
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How to use AI as an editor, not a writer

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Ed White shares how he uses AI as an editor—not a writer—to sharpen storytelling, rehearse ideas, and preserve the productive friction that makes creative work better.

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Ed White has a rule he's tested on his own writing: hold yourself as the writer, and let AI be your editor. Ed is a Senior Design Director at IDEO's London studio, where he co-leads the firm's AI portfolio across Europe. Before IDEO, he spent 12 years as a writer and editor at the Financial Times, Wired, and Contagious. So when he talks about when to use AI for storytelling and when not to, it comes from two decades of crafting his storytelling skills.

In this episode, Mina Seetharaman talks with Ed about two specific tools he uses to keep AI in an editor's seat: a "roasting agent" prompted to critique his drafts without any sugarcoating, and a simulated audience he rehearses pitches on before the real thing. They also get into what Ed is hearing from design leaders at Anthropic, Lovable, Shopify, and Google Creative Lab about how creative work is changing, and why he thinks the friction of writing something yourself is worth protecting rather than automating away.

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Building a personal AI for the messiness of life: Sida Li

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Becca Carroll talks with Cue co-founder Sida Li about designing a personal AI for the messiness of everyday life—not just work. They explore how Sida stays anchored to human needs while navigating fast-changing technology, product tradeoffs, business-model experimentation, and the realities of building an AI company today.

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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.

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Designing GenAI for the emotional side of money: Johannes Seemann

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Designing financial tools around the feelings that shape money decisions.

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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.

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The curious leader's edge in uncertainty: Scott Shigeoka

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How genuine curiosity helps leaders navigate uncertainty with greater confidence.

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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.

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