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.
  ‍
• 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

Six months ago, Dawn announced she’d step down from Planned Parenthood, having successfully helped transition the organization from the leadership of long-time president, Cecile Richards. Instead of hurling herself straight into leading at another large organization, Dawn decided to dedicate a year to experimentation and discovery as expert-in-residence at IDEO.

Dawn is now working with teams across IDEO and IDEO.org to find new ways to catalyze change. In particular, she wants to uncover how best to use data and technology to improve service delivery and support movement-building. Coming to IDEO, she says, “I saw an opportunity to ask, How do we use human-centered design principles, entrepreneurship, and data and technology to transform how we are reaching people and working alongside them?”

Not one to be daunted by ambitious goals, the first official project Dawn is helping to launch is The Billion Girls CoLab—an initiative aimed at harnessing new coalitions and diverse expertise to develop innovative solutions that will support young women’s power and health worldwide. This joint effort between IDEO.org and IDEO CoLab will bring together cross-sector collaborators to think about reproductive health in new ways. Dawn sees this work as a chance to create impact at scale, but also as a means to continue empowering others to become leaders.

“I think established leaders are afraid to leave their roles and what they know,” Dawn reflected recently. “But if we're talking about diversity, equity, and inclusion, some of us who have been privileged to lead—especially as leaders of a certain age—have a real opportunity to move and make space and build up a cadre of new leaders. They need room to lead.” It can be scary, she acknowledges, “but you just have to say to yourself, ‘Well, I'm going to step off this diving board into the unknown, and what can I report back from the other side?’”

Dawn sat down with Whitney Mortimer, IDEO CMO and partner, to talk about what the other side is like, how her perspectives on creative leadership are evolving, and what she hopes to build in the near term to support a healthy, empowered generation of future leaders.

Whitney: Let’s begin with the work you’re doing with CoLab, where you’ve been deeply immersed. You’ve said that the CoLab model, which brings disparate groups and experts together to collaboratively solve problems, aligns well with your vision of how to work better on women’s health.

Dawn: We’re building a cohort that is not just people in the sexual and reproductive health field, but also others who are thinking about adolescent girls from very different perspectives and industries, including the for-profit corporations. The idea is a cohort that is domestic and global, which is something kind of new for the sexual and reproductive health ecosystem. We’re trying to catalyze a very different kind of conversation and output, researching and designing in close collaboration and asking what would it look like to build something that unlocks the power of a billion girls who are coming to adolescence around the globe over the coming decade? And what would that change for our world?

[When I was at Planned Parenthood], as much as we all tried to promote that kind of ‘fail-fast’ culture, we mostly lived in a fail-never culture, because the stakes were so high. And yet we know we’re going to have to experiment some to figure out what is going to catapult us to the next level.

Whitney: How is this approach to work different from how you were working before?

Dawn: I have to constantly remind myself, it's only been six months since I left [Planned Parenthood]. I really had to learn to live without a grenade as my metronome. Our days were so driven by constant distractions and firefights, even though I feel like we made real progress and built real things. So now [at IDEO] I’m gaining a different way to approach problems—to step back and have time to be more thoughtful. I'm more convinced than ever that this is not just a narrow fight. We now clearly have a global set of forces at play.

Whitney: You've always been clear with everybody that what got us here won't save us—we have to be looking ahead to the next thing. You're sitting on that horizon now, asking how does technology and everything we're learning about healthcare play out in a world that has such unequal access? As a creative leader, what do you need? What helps you shape something completely new, as opposed to just wanting to fall back into the matrix of an organization that already exists and will tell you what its priorities are every single minute of every day?

Dawn: Many people called me in the days after I announced and said, ‘Hey, do you want to apply for this job? Can we put you forward for that?’ They were all amazing opportunities, many in the progressive health and rights arena. It was hard to resist going to another similar operation, because of the urgency and the real difference that those organizations are making in this moment. But that urgency can get in the way of stepping back and thinking differently about how to work most effectively. [When I was at Planned Parenthood], as much as we all tried to promote that kind of ‘fail-fast’ culture, we mostly lived in a fail-never culture, because the stakes were so high. And yet we know we’re going to have to experiment some to figure out what is going to catapult us to the next level.

Whitney: Something that you do very naturally and fluidly, is you find analogous examples out in the world that makes sense inside your world. I'm wondering, as you look at scaling something new, what other kinds of methods or mindsets from the designer's toolkit are you able to tap into?

Dawn: There are just these amazing ways to step back and actually use a designer’s approach to think about how companies, organizations, movements could actually be building and thinking more about the early and upstream inputs to get the outputs we want to see later.

With a designer’s mindset, we would ask how to more thoughtfully shape the waves of cultural nurture that will carry these generations to the shores of the future.

Recently I’ve been thinking a lot about nature versus nurture. And then I jumped to this bigger idea with the folks at IDEO, thinking about the idea of cultural nurture: What larger cultural wave was I riding that I couldn't see then, but which shaped me—and not just me, but a generation of people?

For example, when I was in third grade, I started a student council because the playground rules were unfair to girls. Exactly around that same time was when Title IX passed. All of a sudden there was a mandate for equality in education—in sports in particular—for girls. I benefited from that immediately but I could not see the profound impact it would have. I would have been radically different had I not been told, “You get to play basketball. You get to run for whatever school office.”

I think about how powerful those forces are, and yet we don't respond to them and leverage them as well as we could. With a designer’s mindset, we would ask how to more thoughtfully shape the waves of cultural nurture that will carry these generations to the shores of the future.

Whitney: Can you see those moments now that are shaping the next generation?

Dawn: I'm thinking about it a lot around the climate and depletion of the planet, with younger people getting messages both of fear, and also of preciousness. We're also looking at stigma. There is a lot of exciting shame-busting going on in the culture right now, which of course is why I think there's so much pushback in our politics.

Whitney: How has your identity and orientation as a leader shifted? How does that alter your sense of your capacity and what you need in order to have the impact you want to see?

Dawn: As they say in IDEO fashion, I'm diverging before converging. What I have tried to do is not converge on a solution or direction too quickly, because by nature that would be what I’d do—solve the problem as quickly as possible. In my previous life you could not sit around and admire the problem for very long. But I’m learning to be in love with the problem for a bit longer. I’m asking, can data and technology unlock a different paradigm of care? Is it stigma or rights or both that are foundational to solving the problem of abortion access? And what is it that I’m best equipped to do and help lead people toward?

Whitney: When you were at Planned Parenthood, you were early to see the potential, say, to use VR as an engagement and empathy-building tool. What technologies are you seeing as most critical and exciting now, as you're exploring what will be the new paradigm for reproductive health and healthcare?

Dawn: Well, I know augmented intelligence is the phrase of the year, but it really does have amazing potential. For example, take the idea of personalized prescribing and apply that to contraception. We know contraception is a game-changer, a life-changer, a life-saver. But we also know that when people get hormonal contraception, some people are going to have side effects. That means they’re either not going to keep using it or they’re going to want to switch. And that’s when there is more risk of getting pregnant. Imagine if we could harness AI to look across all of the prescription data sets and provide doctors with the tools to better match individuals with the product or formulation that suits them best. What if you could, by orders of magnitude, improve the ability of women to get a prescription or method of their choice that works for them right from the get go? That’s one example of how we might use new capabilities to create impact at scale.

Whitney: With the political climate being what it is, and an election on the horizon with unknown outcomes, how do you think about the challenge of something like improving access to and adherence to contraception or of empowering a billion girls around the world, irrespective of what may happen politically in the US and elsewhere?

Dawn: The one thing I 100% believe is you can’t think of anything completely outside of politics. It's just so clear what a powerful shaping force politics and government policy are. At the same time, there is a narrowness to the political lens. And when you start to think of these other actors and other ecosystems, you realize there's a lot that is possible—there’s potential to organize, to employ tools we're not fully utilizing. Part of what I want to do now is build out the progressive toolbox so that we're able to better work over or under or around the political obstacles, even while we recognize they cannot be ignored. The CoLab model has a lot to offer in leveraging many sectors and approaches and drawing them together to power solutions.

Whitney: What is the role of brand in that scenario?

Dawn: I actually think it is very important—not to create a name or brand a product, not that kind of thing—but the idea that we could use the principles of brand to communicate the power of girls to change the world. The idea that we can impress upon people the importance of raising up generations of girls, giving them the tools and the freedom to make their mark. That, I think, is something we need to capture and tell to the world.

We have to do everything we can to connect girls and to empower them and to make room for them. We have to get over some of our false distinctions and start to help them see that there’s a kind of global sisterhood that’s powerful, and that they have the opportunity to save the planet. That’s the small task we're going to hand off to them.

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When Dawn Laguens looks back on her eight years leading brand and public strategy at Planned Parenthood Federation of America, she describes a typical work day as “catch grenade, throw grenade back, run two steps forward.” To be sure, the years from 2010-2018 were eventful for everyone, and particularly for people like Dawn, who were on the front lines of vicious political conflicts, while simultaneously doing the daily work of advocating for accessible and effective healthcare solutions for women worldwide.

Spring in London vibrates with the tweeting of birds and the drilling of construction excavators. It’s a surreal symphony of nature and gentrification.

I was late for work and speeding up my usual way when I got detoured by a few meters of plastic barrier. As I walked around the construction equipment, I heard one worker shout to another.

"I'll pick up my gloves and be right back," he said. He walked by me and leaned towards a hole in the temporary barrier where his gloves were neatly stored.

"Excuse me," I started with my typical nosey flair. "Why do you keep your gloves in there?" He must have a locker, I thought to myself, or even a pocket where to store them on site.

"I work on different areas of the site,” he said, “and I need different gloves based on the job. These barriers crack very easily, so they provide the perfect storage space when I need it and where I need it."

As I looked at his hiding spot, I thought about designing for the end of life of products, like construction barriers, mailboxes, and or a simple shoebox. It was the first time I considered the new use cases that can come from deterioration and change.

As he walked away, he smiled tightly; I had acknowledged his hidden creative side.

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Human-centered design requires us to observe human behavior with beginner's eyes, so that we can spot the innate ways people interact with the world around them. We call these intuitive and unconscious reactions Thoughtless Acts, and IDEO designers collect photos of them to inspire their work.

1. What a Computer Learns From Watching Hours of Cartoons

Find out what happened when an IDEO CoLab designer tried training a neural network to generate its own cartoons—and what he learned about the danger of bias in training data. Read the story!

2. Inviting Algorithms to the Design Team

Your future design partner may be an algorithm. Here’s what emerged from an experimental collaboration between a graphic designer, a data scientist, and an algorithm. Read the story!

3. To Design a Better Future, Embrace the Uncomfortable

How can we explore the future of technology? By prototyping it. Check out the 5 near-future concepts that came out of a new IDEO exploration called The Discomfort Zone. Read the story!

4. No Beards Allowed: Exploring Bias in Facial Recognition AI

One IDEO designer created a facial recognition AI game that helps users understand how machine learning models are trained—and subtly hints at the areas where bias could creep in. Read the story!

5. We Built a Bot to Assign Parking Spots. It Fought Back.

When IDEO Cambridge moved into a new studio with a too-small parking lot, they built a bot to manage traffic... but the bot fought back. Here’s what this rogue AI taught the team about “raising” a bot—and how they tamed it. Read the story!

Bonus: Check out the follow-up post where a design researcher explores how his colleagues' interactions with the bot signaled shifts in studio culture.

6. Training a Computer to Find Shapes in the Clouds

The average 25-to-34-year-old only spends 13 minutes a day relaxing. Here’s what happened when one IDEO intern tried "outsourcing" some of her leisure time to a computer. Read the story!

7. What the AI Products of Tomorrow Might Look Like

How can designers leverage the power of AI to build a better future? To explore this question, we created an award-winning speculative design exhibition called HyperHuman. Read the story!

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As designers, we help build the future we want to see. So when a new technology emerges, we're always eager to take it for a test run, push its edges, and see how it fits into visions of the future. When it comes to AI, the opportunities are endless, but the stakes are high—our work can have serious implications that affect the lives of real people at unprecedented scale. Designers at IDEO are constantly working on cutting-edge experiments that explore the possibilities—and potential pitfalls—of a future where humans and machines are ever more entangled. Read on to explore a few of those experiments and the lessons we’ve learned along the way.

But the painful reality is that most corporations don’t enjoy the conditions necessary to enable true startup behaviors. The DNA of a large, established business looks far different than that of a fledgling company. And just like with actual startups, creating new ventures is hard, risky, and doesn’t always pan out.

So how, exactly, can you design the conditions for success?

If you have a big company’s DNA, you need to catalyze strategic changes—small mutations that make it possible for a startup model and mindset to thrive inside a much different species. Sometimes, it happens naturally. If a legacy company hits an acute adapt-or-die moment, there’s no choice but to change (à la Netflix or Microsoft). But for companies where transformation is inevitable but not immediate, it’s entirely possible to engineer the conditions that generate pressure for a controlled shift. Here are three ways senior management can provoke the conditions for success.

1. Question your business model

Many legacy companies have been successful because they’ve focused on their core business, while many startups have flourished by routinely abandoning theirs. The key is to do both: Keep the core business running while a new venture pursues something entirely different.

Recently, American Family Insurance was looking to innovate outside of its traditional business model while staying true to its mission to help working families. One of its customers' biggest pain points was an inability to save enough money for an emergency. A $400 surplus—a cushion to get through a medical crisis, for example—was beyond many people’s reach.

Initially, American Family thought budgeting tools might provide a solution, but from the very first research interview, it was clear that budgeting wasn’t the barrier—cash-strapped people budget masterfully. The problem was having enough income to put away a little extra.

So, the insurance company embraced a radically new opportunity, creating a service to help families living on the edge bridge the gap between their paychecks and their security threshold. The company built a new business venture called Moonrise—a platform that would allow businesses to tap into an on-demand workforce, and allow people to access short-term work when they found themselves on shaky financial ground.

The solution was outside the scope of the legacy company’s core offering, but by moving outside of its business model, American Family Insurance was able to create an entirely new venture that helped its core customers solve a chronic, unaddressed problem.

2. Be an early adapter

It’s nearly impossible for an entire corporate organism to pivot rapidly in response to what’s happening around it, but startups have the innate superpower to move fast and get in early. When an emerging need or trend appears on the horizon, they can leap to create new products—or even new markets—far more quickly than large corporations. To achieve speed and adaptability, the new venture must be carved off and treated as its own autonomous, responsive entity.

Take the case of the 150-year old financial company that decided to widen the scope of its business to meet the growing desire for socially-responsible investment options. The company recognized early signals that the consumer desire for Environmental, Social and Governance (ESG) investing and impact investing was increasing rapidly, especially among younger generations, with whom they didn’t have many relationships. Chasing a high-growth opportunity for a new market segment, they set out to create a digital-first product that focused on socially-responsible investing.

To get started, the company didn’t simply announce a new division, or task an existing team with creating something new. Instead, they hired a founder and an outside startup team of 10. They built a company and a culture that was totally separate from their parent company’s offering, allowing the venture to take risks, prototype early and often, and above all, move fast. Throughout the venture’s development, the team continuously evolved the experience and business model by pushing prototypes to potential customers, adapting and pivoting until they reached product-market fit. By creating a team with the impetus and the culture to hit the ground running, the venture launched in just 18 months—and put its product in the hands of its consumers before its competitors.

3. Select for resilience and relentlessness

No matter the industry, startup leaders tend to have a few shared qualities that are more common among the entrepreneurial set than among seasoned CEOs. For a new venture to really work, the people behind it need to be driven by curiosity and insight, and have the skills necessary to prototype and iterate their way toward a tangible outcome. They can’t carry the static burden of “the way we do things around here.”

Intercorp, a massive Peruvian economic group of more than 30 companies, including banks, malls, cinemas, and schools, sought to build and design an innovation studio. Instead of solely relying on the business units to drive their own innovation processes, the company opted to create a central entity that could solve problems across its offerings, focusing on the needs of Peru’s rising middle class.

Intercorp purposely built La Victoria Lab in a middle-class Peruvian neighborhood—outside the walls of the corporate HQ—to immerse the team in the human-centered problems it’s trying to solve. The company also put together an interdisciplinary team of resilient and relentless talent, and set it up to embrace design thinking, identify new opportunities, and constantly prototype new value propositions. This talent stays close to the customer in order to shape new ventures in development, works through rapid digital-first prototyping, and operates within constrained timelines to get results. To drive disruptive new growth opportunities, small, cross-functional teams work quickly to design and launch digital businesses that compete with Intercorp’s core companies. Through La Victoria Lab, Intercorp’s leadership is intentionally creating urgency and applying positive pressure to disrupt its own businesses and remain competitive.

As a leader of an established company, you can’t ignore its history or DNA—nor would you want to; it’s what made the company successful in the first place. But you can constructively provoke necessary changes that allow new ventures to flourish. By openly embracing new business models, pursuing (and possibly creating) new markets, attracting and empowering entrepreneurially-minded talent, and even imposing a few artificial constraints like tight timeframes or lean budgets, companies can begin to fundamentally evolve not only what they do, but also how they do it. It’s the only way to ensure long-term market leadership—and sometimes even survival.

The tricky part of all of this, is that true venture-building, much like innovation itself, cannot be a corporate hobby. It cannot be wedged into spare time and pursued only when employees have white space on their calendars. It has to be modeled from the top, by senior leadership. One of the things that makes startup entrepreneurs effective, and ultimately successful, is their grit, determination and dedication to creating lasting change in the face of all obstacles. It's why others join them on their mission. Make it one of the reasons that others join you.

Visuals by Elin Svensson.

As tech valuations rise, and more and more unicorns are born, legacy businesses everywhere hear the message that they need to act more like startups. If you want to innovate, stay relevant, and grow, the advice goes, then you have to take risks, be nimble, and throw money at potential solutions.

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.