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

It turned what would be a humdrum brand mark into one that was tongue-in-cheek and playful. Optimistically, I wondered if it helped lift the spirits of the Great Croft residents. I also started looking for more typographical serendipity.

There are plenty of examples of signage that has degraded to the point of being unreadable, but a beautiful accident is where the change looks intentional and, ideally, adds to the meaning and character of the neighborhood.

I saw my second example at Unity Kitchen Cafe in the new Olympic park in East London, where residents and Londoners further afield are drawn by attractions such as the children’s adventure playground, nature park, or velodrome. The cafe contained a diverse mix of nationalities, so it seemed rather fitting that this broken C was reminiscent of a cedilla (ç), a nod to any European visitors. Please don't fix the sign, I love it the way it is.

I became obsessed. Searching everywhere for more evidence of meaningful mistakes, even engaging my family in the hunt, and it was on one such hunt that I found the Pelican restaurant in Peckham, south London.

I’ve been wondering about how we might design for beautiful accidents: if wear and tear isn't a thing we can control, how we can make accidents appear elegant? At Wired magazine they call such intentional accidents Wrong Theory. Inspired by Edgar Degas’ painting, Jockeys Before the Race, in which the artist defied the conventional composition of his day by inserting a grey pole that bifurcates the scene, slicing right through one of the horses’ heads. The same could be said of Marcel Duchamp’s act of turning a urinal on its head, signing it R. Mutt, and deeming it art. Wrong Theory celebrates the act of breaking the rules.

But part of the beauty of Beautiful Accidents is that they are rare. If you find one, please share it with me! Check out my Instagram or tag your photos with #beautifulaccident.

I first spotted a beautiful accident when I saw the sign for the Great Croft housing estate in London. The A swinging down against the Akzidenz Grotesque type worked so well, in part aided by the horizontal seam in the concrete, that I had to think was that serendipity or intentional?

Two years, two photography classes, and a few countries later, I did a deep clean of my hard drive. Between filing away evidence of big parties in tiny apartments and hundreds of nearly identical photos of elephants, I realized that I had taken a lot of pictures of couples. Not five or 10, but closer to 100. And not of people that I knew, but of complete strangers.

On their own, these photos could have been easily overlooked amidst thousands of snapshots of friends and family, but seeing them all together gave me a rush of giddiness and warmth. So, I set out to gather more and began posting the shots on Instagram.

As soon as I launched the account, publicly declaring my habit, I found more and more moments of tenderness in everyday life. I shot from a distance to maintain a layer of anonymity and focus on the transfer of emotion rather than the individuals themselves. My intent wasn’t to get the story behind the shot, but simply to collect these unprovoked and unpolished moments. And as I collected, my definition of public displays of affection expanded to include heads on shoulders, joint selfies, synchronous footsteps—even the imagined closeness of two people standing in proximity to one another. I've found love on street corners, in subway cars, and at national monuments. Instead of walking around with my head down, I was discovering tiny moments of joy in the world.

And the more I found, the more I felt like at any given moment, anywhere in the world, hundreds of people are holding hands, or touching arms, or leaning in to each other. The act of looking for love led to finding it, which led to actually feeling it.

Head to @lookingforloveblog for your fix.

A few years ago, I spotted a tear-off paper flyer stapled to a telephone pole that read LOOKING FOR LOVE. Every tab had been pulled.

However, more data means more time spent managing data. So about four months ago, I pulled together this little helper, an automated assistant that I coded to save our design team a little time. We even gave it a little personality to make living with it more fun.

The bots

The inspiration for this bot came from our Chicago team, which was working to develop a health monitoring app for smartphones and watches, and wanted to include a prototype messaging system. Rather than spending time coding a system that would automate responses, they hooked up the Slack interface to a service that would send and receive text messages. The result was a system that allowed a non-technical design researcher to send targeted messages directly from Slack, freeing up the developers to work on the next challenge.

Meanwhile, in London, we were tracking the daily travel of more than 40 people. During the course of the project, we recorded more than 160,000km of driving, so we built a bot to help us keep tabs on our fleet. Each time a journey was complete, the bot would post a note into a special channel, allowing the whole team to see the activity without having to log in to a separate system. The bot also helpfully included a direct link to a separate dashboard, in case anyone wanted to dig deeper into the data.

The tech stacks

Chicago's bot was part of a loop that connected each of the participants’ smartwatches directly to a design researcher:

Each day, participants would log their activities using Siri’s voice-to-text feature. Siri then transcribed the voice message, and the text was sent to the database, where it was time stamped and stored. From there, a copy was sent to Slack, where each participant showed up as a team member in the chat interface.Then the whole stack reversed, allowing any member of the team to send a message to the participant. Each day, the design researcher simply had to send a normal Slack message and it appeared on the participant’s smartwatch.

We found their workaround really inspiring, so when we started our travel behavior project, we looked for similar ways to save time.

To start, we opted to store each trip in Parse. Once a drive was complete and recorded, we used Parse's Cloud Code functionality to send a message to Slack using the Incoming Webhook integration. The result was a message from the slackbot each time a drive finished. Cloud Code allowed us to format the message with a link back to the data, so it was easy for researchers to click to learn more about each trip. We could format the message however we wanted, so we gave the bot a small bank of phrases to use to add a little personality. We also gave it a few emoji so that it would fit in with the Slack communication style.

These messages popped up in a specific channel. Our team could choose to listen in, or mute it. Over the course of the project, it became a useful reminder that there were real people behind these driving patterns.

What we learned

The Chicago bot showed us that we don’t always need a technical person to manipulate complex systems. Not only did our bot save us time, we were also able to add a little magic to the prototype, which gave our participants a better experience. It also gave all parties—the design team, the client, and a technology partner—a better sense of what was going on, and a quicker way to jump into the data. We’re constantly working to find better ways to collaborate with our clients, and small touches like these make it easier to act on our research. Perhaps the most revealing thing about our adoption of these tools was how quickly we assimilated them into our teams. The new tool went from novel to normal surprisingly quickly.

The future

While adding intelligence to the bots seems like an obvious next step, it could be a dangerous move to outsource too much of our process. After all, we’re here to learn. I'd rather have a legion of simple "toolbots" shaving time off repetitive tasks than software that makes decisions for us, which could cause us to miss valuable insights. Our goal is to empower our teams, not to replace them.

See the London Bot on GitHub here.

Special thanks to Ben Syverson for his help on this post.

We’re always looking for smart ways to learn more in less time. This mentality has led our researchers to push the boundaries of the data we can record in our research process. Alongside the qualitative data we gather from interviews, we also pull together behavioral data collected over longer time periods. We might record someone’s steps per day, or the route they take to work, in order to find insights into the patterns of everyday.

A self-proclaimed “sports guy,” Marc first tried archery at 12. By 18, he was a competitive archer, training 4-6 hours a day and traveling across Spain to shoot arrows alongside the country's best bowmen and women, including members of the current Olympic archery team in Rio, Miguel Alvariño, J. I. Rodriguez, and Antonio Fernandez. (Although the modest interaction designer is quick to shun any comparisons.)

Marc left his custom-made, Olympic-grade bow at home when he relocated to IDEO Chicago for a 7-month internship, but he cheers on his country’s team remotely every night, binge-watching Spanish videos of the day’s competitions on his home laptop thanks to some clever, scrappy, and—ahem—ingenious online “workarounds.”

While firing arrows at a bullseye 70M away might be a thing of the past, archery taught Marc many lessons he pulls out of his quiver as a designer today: honing your technique, being honest about your strengths and weaknesses, staying open to new ideas and strategies, and improvising in the moment. Lessons that also apply to successfully launching a Finger Blaster to nab a coveted banana 10 yards away.

WATCH: The ever-hungry intern takes aim at a midday snack. Video by Sophie Feng.

But, then again, if this design thing doesn't work out, there's always Tokyo 2020!

Marc Exposito was born for the Olympics. Literally. The Barcelona native arrived into the world during the heyday of the city’s 1992 Summer Olympic Games.

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.