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

1. "85 percent of cancer can be cured in the next five years."
—Dr. Sanjay Patil

The health care industry missed the PC and internet revolution, but they won't miss the big data and analytics revolution, said Dr. Sanjay Patil, chief medical informaticist at MDLIVE, and John Sculley, a board member. According to the American Medical Association, 75 percent of in-person visits could be handled virtually. But they cautioned that it took 10 years for people to get comfortable with online banking and ATMs. Still, Patil and Sculley believe genomics and precision medicine will trigger massive shifts sooner than we might think, and had some very hopeful predictions. —Betsy Fields Smith, senior design and research lead

2. Robots would be smarter if we didn't interrupt them.

If we want robots to learn from us, we have to design them with the human capability of expressing their intent and emotion said Panellists Leila Takayama, senior UX researcher, Google[x]; product designer Nuri Kim, Fellow Robots CIO Thavidu Ranatunga, and Stanford Center for Design Research executive director Wendy Ju spoke about

For example, a robot often learns that a door is a door by staring at it for hours on end. If a person walks in front of a robot while it is learning, this can compromise the training session and hours of work. We need to design careful and intuitive indicators as to what state robots are in. If, for example, a robot was learning by staring at a door while scratching its chin or tapping its forehead, it would serve as a reminder to not interrupt their lesson.

This relates to work we are doing with autonomous vehicles. We will need to develop a new vocabulary of mobility through which vehicles and people can communicate. What sort of cues, both subtle and bold, have we come to expect drivers that help you anticipate their behavior? How might we thoughtfully design some of these cues into autonomous vehicles to make the future safer and more intuitive to move through? —Danny Stillion, partner/executive design director

3. The Jetson’s-style kitchen of the future is here.

The "kitchen of the future" technology exists and there are businesses being built upon it right now. We heard why in a panel called "From Palate to Plate: Defining a Taste Platform." It was framed as a panel about food data, but spoke more to how we interact with food today and might do so in the future, including replacement cycles for appliances, the lack of a portable “taste profile”, and so forth. We're thinking about these things at IDEO, too. Check out the Concept Kitchen 2025, work we collaborated on with IKEA.

While we've realized much of the Sputnik-era vision of the kitchen of the future, there's a fourth circle—system interconnectivity—that we need to start to consider. —Justin Massa, director of business strategy

4. Data will reform our criminal justice system.

What does the rise of information design for a complex social problem such as criminal justice reform look like? There is a growing movement to use open, public data for political advocacy and reform. And yet, even with a wealth of data, we’re unable to design for more accurate, immediate, and actionable ways of using it.

This panel, made up of experts and innovators using data for policy reform and program development said the most vulnerable in the system—offenders and their families—could benefit from the use of more transparent and actionable data, such as preventing false confessions in interrogation or exonerating prisoners from false convictions with DNA testing. They also spoke about the power of predictive policing in cities, and protecting those who are re-entering civilian life with data privacy so that they can secure a job or a loan. —Yennie Lee, impact manager, IDEO.org

5. Virtual Reality may change your beliefs.

Unsurprisingly, there was a lot of hype around VR at SXSW. But outside of finding a second home outside gaming, the use cases I'm most excited about are empathy building, and overcoming trauma. VR can deliver sophisticated, deep storytelling that stays with you. It puts you very close to being in someone else's shoes.

Planned Parenthood is doing just that, showcasing its seven-minute film "Across The Line", which follows one woman's journey from her car to the abortion clinic as she confronts a sea of pro-life protesters. Some footage is live action, some animated, but the audio is a live recording from outside a clinic in Illinois. It’s upsetting. And it may just change someone's mind on this issue. —Karoline K, communications designer

Huge thanks to Karoline K for the illustrations in this story.

President Obama, the hyperloop, Wired's Kevin Kelly, Microsoft's HoloLens, Twitter's Biz Stone and, wait for it... Pee Wee Herman! Among the thousands of conversations at SXSW, it can be hard to separate the signal from the noise, so we asked IDEO's SXSW speakers to share their greatest hits. What they came back with—robots, genomics, VR, criminal justice, privacy—proves that design is going places it's never gone before.

1. What inspired #clientwork?

I had been drawing for about six months, specifically for an art show, and I was sorta cashed and looking for the next rabbit hole. We hosted another Fortnight (our artist-in-residency program) in the Chicago studio, and I was really lucky to act as a mentor to C.M. Ruiz, from Seattle.

He is a Xerox machine master; he just makes incredible art with the most humble tools. We spent a lot of time just hanging out in the studio talking about art and making shit. It was a three-week jam session and I got super inspired and just started making the ugliest designs possible using only the Xerox and markers, paints, etc. FUN.

The Clientwork hashtag is just something that has bounced around in my brain for the past few years. We as makers, designers, artists, etc., often try to separate our lives into two buckets: the work we get paid to do (Clientwork) and the other, fun stuff. I really dislike that idea! I feel like the entire body of making should just be THE WORK, dig? My IDEO jams for Allstate or Chicago Fire or ConAgra should feed my weirdo artlife and my weirdo artlife should come with me inside project spaces.

Freelancer and IDEO contractor Kyle Fletcher has been influential in helping me learn this lesson, as he is constantly bouncing back and forth between design and art, yet it all feels very KYLE FLETCHER.

I tag things with #clientwork that obviously are not client work to (hopefully) push this idea. The idea of doing really dumb, silly, sometimes provocative ads for companies that aren’t paying me is scary. I’m making something and I think it looks AWESOME and I write NIKE or VANS on there because, to me, IT SHOULD BE A VANS AD. I suppose that part is my own little secret joke. No one knows if I actually like Nike or not, or if I eat Hormel Chili (I do, duh). It’s not like I’m tagging them super hard or trying hard to be seen by the brand puppet masters… but there’s something really frightening about half-assedly drawing a corporate logo on a terrible collage or drawing and sending it into cyberspace. I’ve told myself that I’ll either do this as long as it’s fun or until I receive a cease-and-desist. I actually sorta worried if anyone from IDEO was going to come down hard on me, but so far only a minor slap on the wrist that I deserved.

2. Does this work make doing your day job easier?

Easier is a strong word. DESIGN IS HARD, and I’m not taking the piss. Doing the daily art jams does help keep my brain active. I’m trying so hard to get in the zone and stay there. IDEO can be so stimulating sometimes that I find it hard to focus. Everyone knows what it’s like to get that precious two hours of heads-down time when you have to work FAST to get something on paper. Trying to think like a designer/artist 24/7 takes practice. It’s hard to be in the zone all day!

3. Name one artist or designer you consider unassailable and tell us why.

Ian MacKaye will never re-form Fugazi to play Coachella for millions of dollars. And for that I am very grateful.

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If you're not following designer Zach Hobbs on Instagram, you're not truly living. The sheer volume of artwork he posts there and on his website makes us wonder how he manages to stay awake in the office. We asked him about a pleasingly tart series titled #clientwork (which is occasionally #NSFW).

I had just relocated to the Bay Area after five inspiring years at IDEO Chicago. The Chicago studio is a tight-knit family of roughly 70 or so friends, often known for taking extra moments out of our day to inspire, uplift, thank or prank one another in the course of the work we do.

The IDEO San Francisco mothership, however, is much larger; nearly 200 strong across four independent studios. As such, it can be difficult for a new guy to know exactly how our forgiveness in lieu of permission culture manifests itself across locations.

It turns out quite well, I found.

Nine days into my tenure at IDEO SF, someone snapped a photo of Ethan, who had come up with a clever solution to shade his eyes from the passing sunlight as he worked (see above). The photo went out in an email to the entire location. The subject line: "Innovation".

If you're anything like me, you simply cannot see a photo like this without your mind beelining to Photoshop Battle. So, I made a few quick edits and offered up my reply-all:

It would be an understatement to say that I succeeded in learning what I set out to about my new colleagues. When the dust had finally settled, the thread was comprised of more than 50 unique entries submitted over three days.

Check out some of our favorites, below:

The original photo is on Instagram now. Share our glory.

I was barely into my second week at IDEO's San Francisco location when a particular opportunity to get to know my new colleagues presented itself.

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Less apparent to outsiders is the fact that the creative license that comes with making IDEO eye-candy serves a very important purpose: It’s an antidote to the intense and often prescriptive nature of designing for clients. Event posters allow us to stretch our legs, color outside of the lines, and take a new tool for a walk around the block. And in a collaborative culture that is driven by the “we” and not the “me”, these one-offs offer a rare moment in the spotlight for the artist.

Check out the entire collection on Pinterest.

Be visual. It’s one of IDEO’s seven rules of brainstorming. Not too tall an order for those who are quick to start sketching when attempting to communicate pretty much anything. So when a special event gets dropped on our calendar, lots of hands shoot up volunteering to design a poster.

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.