Money works differently in communities traditionally excluded from formal banking, which makes designing products that really serve their needs a very different kind of challenge. People who live in the last mile often prefer cash because it’s physical. They can see it, touch it, and access it at any time.

While digital money offers many benefits, such as securely sending money over long distances and accessing new forms of credit, many don’t trust it because the places where they can access digital currency have often been too far away.

In 2017, over 500 million adults lived more than three miles from a financial access point in eight emerging markets studied by the Gates Foundation. This may not sound like much of a barrier, but for those living in the last mile, it means having to close their shops, lose a day of earnings, arrange family care, and pay for travel, which can be time-consuming and difficult, especially during rainy seasons. For low-income people, the inaccessibility of financial services has been a deal-breaker for adopting digital money. On the flip side, banks, telecoms, and other companies struggled to reach these customers because their products were not inclusively designed for them, and their distribution models failed to scale in rural areas.

Amid these myriad challenges, IDEO and the Gates Foundation saw an opportunity to introduce innovative ways to provide access to digital financial services even in the most remote areas of the world. And to make bold new bets: Could we design new digital experiences centered around the financial needs of people in the last mile? What would happen if we mobilized hundreds of actors to develop new ways to address financial access at the last mile? What if we took the most exciting financial innovations that worked in East Africa and piloted them in South Asia—and vice versa?

Working with more than 70 partners, including local startups, corporations, including Google, Unilever, Telenor, Standard Chartered, and BNI, as well as IDEO.org’s Women & Money program, LMM adopted a collaborative, ecosystem approach to drive and scale new digital financial products and systems.

A few of the life-changing innovations launched by LMM and its partners include:

• Finja’s intuitive small-business app that helps micro-merchants in Pakistan access flexible, interest-avoiding Islamic credit  to order products from fast-moving consumer goods companies like Unilever. Finja now serves 45,000 merchants and reaches 10.2 million customers.
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• Accessing government benefits can be a challenge, especially when it’s through a mobile phone, so IDEO helped Indian startup Haqdarshak develop a robust digital experience for its 52,000 community agents to facilitate access for low-income people. The agent network—70 percent of whom are women—now serves more than 7.6 million families and has unlocked $2.2 billion in social benefits for those who need it most.
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• Making micro-credit nearly instantaneous was a solution that startup Kuunda offered to financial agents in Tanzania. IDEO helped adapt the product to deliver working capital for merchants in Pakistan. Today, Kuunda continues to grow across markets in Africa, totaling 6.1 million active users and distributing $1.1 billion in loans globally.   

While the LMM program officially concluded in 2024, lessons, tools, and case studies from the program are accessible on IDEO’s Financial Futures website. Those looking to catalyze equity and inclusion in digital financial services for the last mile can consult LMM’s Financial Confidence Playbook, the open-source Digital Confidence Toolkit (created in collaboration with Google), or the Gender Evaluation Framework, among other helpful resources.

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Over 1.3 billion people worldwide in poor and rural areas are excluded from formal financial services, including savings accounts, credit lines, and insurance, making it harder for them to move out of poverty.

34M

underserved users reached by 100+ new financial products, pilots, and prototypes

70+ LMM partners

including Google, Unilever, Grab, Standard Chartered, Cargill, Airtel, Celo Foundation, and BNI

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Multinational CPGs excel at creating popular, mass-market products for large countries. When they enter smaller countries like Peru, they often parachute their brands onto store shelves and skip consumer product testing altogether, largely relying on brand recognition to drive sales. This oversight presented Alicorp and IDEO with an opportunity: flip the script and invite young Peruvian women to work together with them to create a new hair care brand from scratch. Over the course of a four-year transformational journey, IDEO worked closely with Alicorp, adopting a “learn by doing” approach to foster a culture of innovation, launch a new brand, and drive growth for the company through consumer-centric design.

The collaboration began with an inspirational trip 10,000 miles away to Seoul, South Korea, the epicenter of global beauty trends. To expand their thinking, the Alicorp/IDEO team received K-Pop glow-ups and explored other cutting-edge beauty experiences. They were inspired by the Korean market’s unwavering focus on meeting the particular hair care and skin needs of Korean women.

Back in Peru, the team conducted multiple rounds of in-depth interviews with young women, teenagers, beauty influencers, and experts across the country. They learned about their beauty goals, personal care routines, and “mixto” hair texture. They heard about women’s struggles with regional weather—the Andean region’s extreme dryness versus Lima’s humidity and the city’s hard water. The research revealed that Peruvian women wanted natural products that worked hard, wouldn’t harm their hair, and celebrated what made them unique. They wanted a brand that spoke to them honestly and authentically. That represented and empowered them. That didn’t overpromise, underdeliver, or hold up European and American beauty ideals that didn't resonate with Latin American women like the multinationals did.

Armed with these insights, the Alicorp/IDEO team developed tangible brand prototypes for women to respond to during successive rounds of user research, including in a beauty pop-up store in Lima. The team shared various bottle types, ingredient mixtures, and brand positioning options. Should the new brand’s personality be an outspoken feminist or a gal pal? Au naturel or sophisticated? The iterative feedback cycles informed everything from brand strategy and ingredient recommendations to product line-up, brand and product naming, launch strategy, and digital activations.

The final design, Amarás (“you will love”), is a personal care line that centers the needs and aspirations of Peruvian women. Hitting shelves in 2022, its shampoos and conditioners feature local, bio-diverse ingredients, including mangoes, macadamia nuts, and goldenberries, that help address the specific hair texture needs of women in LATAM and the climate realities of the Andean region. The brand’s launch campaign included TV and print ads featuring Peruvian models from every region as well as commissioned murals celebrating local beauty by artists across Peru. Most notably, the unapologetically authentic Peruvian hair care brand became a TikTok sensation, garnering over seven million organic views and more than 300 viral videos from enthusiastic new fans.

Three months after its launch, Amarás seized a 7.5 percent share of the personal care aisle—a remarkable goal it had set for year three.Since then, Alicorp has continued to expand its creative capabilities, designing personal care products tailored to the cultural and beauty needs of Latin American consumers.

Alicorp launched numerous successful brand extensions across its food and home care categories, but was unable to crack the $340M USD hair care product market in its home country of Peru.

7.5%

Amarás’ share of the Peruvian hair care market 3 months after launch—a goal Alicorp had set for year 3

7M+ organic views and 300+ organic fan videos

created on TikTok during Amarás’  launch campaign

Thirty years ago, China-based Jack Technology started as a home sewing machine manufacturer. A decade ago, the innovative global leader began investing in robotics and exploring AI, a decision that positioned it well to address today’s urgent need for smarter manufacturing solutions.

Believing that a new, strategically positioned sub-brand could draw in larger, more premium global manufacturing customers, Jack Technology and IDEO set out to understand their needs. IDEO began by visiting more than a dozen garment factories across China, Vietnam, and Bangladesh, conducting in-depth interviews with factory managers, industrial engineers, pattern-making leaders, and frontline workers. It soon became clear: the apparel manufacturing industry is at a critical juncture. The way apparel manufacturers navigate the promises of intelligent technology—while addressing deep-rooted structural issues like labor shortages and working conditions—will shape the industry's development for years to come.

For premium clothing brands, garment factory compliance and worker well-being are priorities when selecting production partners, so many owners proudly showcased their improvement efforts. They discussed investing in quieter machines and air conditioning, enhancing lighting, adding greenery, and implementing no-overtime policies. Amid rows of identical sewing stations, the IDEO team noticed small human gestures, such as a small vase of flowers. As one operator said, “I just want to uplift myself during work.”

The research helped IDEO identify a core opportunity for differentiation. Create human-centered products and services that further enhance working conditions in large apparel factories, strengthen their ability to attract and retain talent, and drive the industry toward a more sustainable future. Through multiple rounds of co-creation with the Jack Technology team and key apparel-sector stakeholders, a clear brand direction for Aitu began to take shape: “Smart Machines, Uplifting People.”

Guided by this human-centered ethos, IDEO helped build a comprehensive brand system for Aitu. The idea of “uplifting people” and showcasing garment workers’ professionalism and skill is expressed throughout all brand communications, the industrial design of its smart sewing machines, and the interaction and industrial design of a humanoid sewing robot.

In the eyes of factory workers, this is the new work experience Aitu brings to life. Compared with traditional bulky industrial machinery, the clean lines and soft edges of Aitu’s new AI-powered sewing machines feel more like the professional office tools found in bright, organized workplaces. Concave surfaces and soft materials diffuse glare from overhead lighting, reducing eye strain, while clear interaction logic and icon-based visuals accommodate operators with varying levels of skill and education. AI technology, seamlessly embedded in the machine’s core functions, automatically adjusts parameters for different fabrics and tasks, allowing operators to achieve high-precision results with less effort. A soft halo-like light glows whenever the AI-assisted function is active, fostering users’ trust in both the technology and the AI-powered sewing machine as a whole. When hundreds or thousands of Aitu machines are arranged together in a factory, the overall effect is a modern, professional, and high-end work environment.

Working closely with Aitu’s robotics team, IDEO’s final design challenge was to bring a human-machine collaboration to life through a full-scale AI robot, AI10. The robot has an elegant, biomimetic silhouette. Its fabric-like outer finish features design elements commonly found in garment making, such as cutting and stitching lines, giving the robot the approachable look and the feel of a skilled tailor companion who can assist with simple, repetitive tasks. When AI10 is in operation, a circular light ring gently pulses at the sides of the robot’s ears as well as on the paired sewing machine’s display screen, clearly signaling the robot’s activity to its human co-workers.

In September 2025, Jack Technology debuted its new Aitu brand, along with its first AI sewing machine and a humanoid robot prototype, at a launch event at Shanghai Tower and at the China International Sewing Machine & Accessories Show. IFA Berlin, Europe’s largest trade show for consumer electronics, honored Aitu with a Gold Award for AI Product Innovation for seamlessly integrating AI technology and industrial design. Jack Technology’s humanoid robot is expected to go into full-scale production in 2026.

Before AI, the apparel manufacturing industry had experienced little fundamental change since the invention of the lockstitch sewing machine nearly two centuries ago.

2025 Gold Award for AI Product Innovation

from IFA, the world’s largest home and consumer tech event

Alicorp has direct operations in Peru, Bolivia, Ecuador, and Chile, manages export operations in more than 30 countries, and oversees over 150 brands. While its AlaCena sauces are ubiquitous in South America, the brand’s North American market primarily consisted of purchases made via Amazon by Peruvians living abroad. To help the CPG giant expand meaningfully and sustainably onto US grocery shelves—and achieve its ambitious $50 million retail sales goal in five years—Alicorp and IDEO collaborated on multiple projects over a two-year period. The partnership began in early 2020 with consumer research and product strategy, ultimately leading to the development of initial product branding, positioning for launch, and an in-market pilot in late 2021.

‍‍Through a combination of large-scale digital surveys and in-depth, in-person and remote research interviews, IDEO discovered that AlaCena’s Tari and Uchucuta’s hot sauce recipes resonated the most with US consumers. Made from native Aji Amarillo and Rocoto chili peppers ground using a traditional Andean “batán” technique, consumers appreciated their complex flavors and enjoyed how they enhanced, not overpowered, everyday foods like burgers and fries. The sauces’ authentic Peruvian culinary roots were also a key differentiator. In addition to consumers, IDEO consulted with industry experts—including executives from large-scale grocery chains and chief merchants of leading big-box stores—to explore retail and marketing trends and identify potential innovation partners for Alicorp in the US.

Based on the research, IDEO recommended a few changes to ensure a successful launch: Lead with the Tari brand, which was the most memorable and easiest to pronounce, and position it as an “everything sauce.” Change the packaging from a large plastic pouch to a smaller squeeze bottle to better align with consumers’ expectations and stand out on the inside of refrigerator doors. Adjust the product formulation to appeal to mainstream consumers looking for cleaner labels. And visually celebrate Tari’s Peruvian roots through bright colors, traditional textiles, and a llama, an animal closely associated with the Andes Mountains. In addition to these recommendations, IDEO provided a comprehensive go-to-market retail strategy that included potential US regions for launch, retail brokers, distributors, manufacturers, and R&D and pilot retail lab partners, as well as job descriptions for a new North American-based sales team.

While Alicorp worked on reformulation and packaging strategies, IDEO refined Tari’s initial branding strategy. Steeped in Peruvian aesthetics, the brand’s new look and feel featured a vibrant color palette, geometric patterns, and—of course—a friendly llama icon, which could also be found on all in-store point-of-sale items IDEO designed for Tari's pilot launch in late 2021.

The successful 12-week in-market pilot in Tom Thumb grocery stores gave Alicorp the confidence to have its in-house design team make the brand even bolder and more eye catching, and to launch two flavors, Amarillo Pepper and Rocoto Pepper, on Amazon and in over 50 retail stores in late 2024.

Since then, the popular sauces consistently rank among the top 50 percent of the fastest-selling products on US shelves, with 80 percent of sales revenue representing new business. In 2025, Tari expanded its offerings with three additional flavors: Zesty Verde, Tropical Kick, and Smoky Heat. Today, Tari is in transit to 3,000 major grocery stores, including Wegmans, Meijer, Central Market, and The Fresh Market, as well as available for purchase on Amazon.

Alicorp had a vision to expand its beloved and delicious hot sauces to the US market, but needed help fine-tuning the brand and product for an American audience.

3,000

major US grocers, including Wegmans and Meijer, have signed on to sell Tari hot sauces

80%

of Tari’s sales revenue represents new business, a significant expansion of the overall category

Ranked in the top 50%

of the fastest-selling products on US grocery shelves

In design and innovation projects, we are always trying to understand constraints, eliminate uncertainty, and ground ourselves in the problem. But in any creative exercise, there is always a moment when the individual or the team needs to take a leap. And when that leap happens, you want it to be as dramatic, confident, and exploratory as possible. Put another way: There is a moment in any creative process when you actually want to maximize uncertainty. The Surrealist methods were aimed at achieving this, by embracing randomness and accessing the unconscious.

Here are five of of our favorite Surrealist methods:

1. Word Spinner

Make a list of 16 words that you find interesting, and number them. Cut out a circular piece of paper, write the numbers 1-16 on the circumference, and stick a pencil through the paper to create a spinner, like you'd use in a board game. Use the spinner to generate three numbers. Now write a poem or short piece of prose that uses the three words that correspond to the numbers.

2. Automatic Writing

This writing habit has been broadly adopted; it was featured, for example in The Artist's Way by Julia Cameron. The method originated with the Surrealists, who believed that forcing yourself to write whatever comes into your head without self-editing will lead to surprising creative breakthroughs. The easiest way to practice this is to set a timer, and then write without pausing for that period. Though uncomfortable at first, this practice can quickly become a valuable source of ideas.

3. Surrealist Collage

Artist Max Ernst invented this technique of cutting out imagery from multiple sources and reassembling it to create something surprising and new. He chose images of similar styles (for example, all black and white etchings) so that they all worked together in the final image. With so many images available to us in the form of magazines and junk mail, we all have the chance to become surreal collagers.

4. Frottage

This is a variation on the "found image" technique of collating. Instead of cutting images out of source material, take a blank piece of paper and a crayon or charcoal and look for interestingly textured surfaces from which to take rubbings. Layer several rubbings on top of each other to create an entirely new image.

5. The Exquisite Corpse

The most famous of the Surrealist games, the Exquisite Corpse is an example of a chain game—a game in which a piece of creative work is passed from one player to another. This one began life as a writing exercise, with players taking turns writing nouns and verbs. (The game gets its name from the sentence that came from the first time it was played, "The exquisite corpse shall drink the new wine.")

Over time, the game morphed into its better-known sketching form, in which players fold a piece of paper so that one person can sketch a head, the next a body, and the last one the legs.

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There is more to surrealism than Salvador Dali's mustache or people wearing lobsters on their heads. The movement, started one hundred years ago, was founded on the idea that creativity could be accessed by lessening the controls of the conscious brain, and giving free rein to the unconscious. Today's neuroscience supports their thinking: There is evidence that imagination and day-dreaming takes place when we are not focusing our conscious attention.

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Designing for Public Services is a toolkit for policymakers and those who deliver public services, developed in collaboration with Nesta, a U.K. innovation charity, and Design for Europe, a design and innovation program co-funded by the European Commission. The tools and methods included allow users to get to the heart of the needs of citizens and civil servants.

The processes and supporting tools, which have been tried and tested in government agencies from Singapore to Qatar, the U.K. to the U.S., can be applied to designing policy and citizen-centered services.

Download the toolkit here.

Spying on Harriet the Spy, Kid Design Researcher

During design projects at IDEO, we often seek inspiration by looking at the world through someone else's eyes. One of our favorite children’s book characters is Harriet the Spy, and we asked ourselves, What if you could see New York through Harriet's eyes? She’s the original design researcher—setting out with her notebook to observe the subtle ways her neighbors behave.

As it turns out, a real estate site has already tracked down Harriet's address: 558 East 87th Street. If you pay a visit to her apartment, look up to the third floor, right under the eaves. According to the book, this is the perch from which she peered down at the street and recorded notes. We were curious to see if any of Harriet’s neighborhood hangouts still exist. Carl Schurz Park, where she lost her notebook, still sits on the East River at East 86th. Harriet reports that the Gregory School, where she was a student, is right nearby, so many people assume it is based on Chapin School, two blocks away. Harriet spies on delivery boy Little Joe Curry from an alley behind the Dei Santis’ grocery store on York Avenue at East 86th Street. Though that shop is now a restaurant—denying us the vicarious thrill of peeking through the window where Harriet did much of her spying—visiting her old haunts sent a spike of childlike joy through us, and transported us to a time when a book could open up an entirely new world.

Koneko Cat Cafe

Koneko Cat Cafe is a relatively new spot on the Lower East Side where customers nibble on Japanese pastries while lounging with an adoptable clowder from Anjellicle Cats Rescue. The cats roam free between rooms on two different levels, lazing on designer cat furniture or swatting at the many cat toys provided for visitors. Everyone can engage in a different way: playing directly with the cats, doing other work with the bonus of being surrounded by felines, or striking up a conversation with humans who have the same affinity for cats. Koneko’s founder toured 25 cat cafes in Japan to get inspiration for her own place. Koneko is similar to Japanese cat cafes, but has a more sophisticated interior design with curated art on the walls. As one visitor told the New York Times, “I have a cat, so I feel a little dirty coming here. It’s like going to a strip club if you’re married.”

Tiny Doll House

We know many designers who find pleasure in miniature things: miniature spoons, miniature post-its, you name it. Hidden in the middle of a long residential block on the Upper East Side is a miniature heaven: Tiny Doll House. It’s a store that sells dollhouses, as well as dollhouse furniture and supplies: miniature nightstands, candelabras, and even equipment to electrify a dollhouse. The store sources miniatures from Europe and South America. Immediately after stepping inside, your imagination is fired up. Peek inside an English Cotswold Cottage—next door to a Riverside Townhouse. The attention to detail and passion that goes into each one is simply astounding. Even if you’re not passionate about decorating dollhouses, you can use these supplies for making terrariums, architectural models, or prototyping small versions of design projects. You can buy tiny Thanksgiving dinner sets, caskets, Starbucks coffee mugs, garlic presses, bunk beds, broken eggs, beaux arts desks, and everything in between.

Header image courtesy of Koneko Cat Cafe.

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Our designers, anthropologists, and architects are professional wanderers. And we don't have to wander far in NYC to find inspiration—it's right outside our door. Here’s where we’re headed this fall.

One way to achieve this is with art. I love the phrase “design is art with rules.” If that is true, can we then assume that “art is design without rules?” If design requires restraint, art requires exploring ideas with abandon. I believe that tapping into that abandon can positively affect our design work.

Here are three ways to use art to shake up your design process.

1. Gallery Immersion

Take a break from your project and visit an art gallery. As you walk around and look at the pieces, consider the questions the artist is asking, or solutions they are proposing. What new rules of gravity or physics have they created? What rules have they broken, and what laws have they upended? Now consider how your project would exist in this world. How would things change, what would be possible? What would you create?

2. Image Provocation

Draw inspiration from art without ever leaving work. Curate a slideshow of images, then present them to your team as a prompt for idea generation. While not as experiential and serendipity-friendly as roaming a sculpture park or an art gallery, the right selection can still provide valuable fuel to a design team. Try using Visual Thinking Strategies to get coworkers to engage in a deeper way.

3. Create your own artwork.

Just as we can find inspiration by making insights tangible, making art in line with the project theme can also be valuable. Pull out the watercolors, pastels, or even the prototyping materials. Grab some old shirts from secondhand stores to use as smocks and transform the team from designers to artists. Have a team spend an hour of quiet, focused time creating a work of art that explores the project content. The goal is not to create a solution, but an expression. Then have the team share their works. Create a “gallery walk.” The resulting art may fall short of masterpiece status, but the head space that was explored will create new considerations and possibly new directions for the project.

Sometimes, the design thinking process can become a little too linear and predictable. Most great innovation involves a shift in perspective, a moment when our everyday point of view is turned upside down, and the team finds a new way to approach a challenge. Getting to that shift requires some disruption of the predictable flow of a project.

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.