Only 20 percent of American homes are protected by security systems, and most of these systems are installed after a break-in. ‍

Home security veteran SimpliSafe hoped to convince the other 80 percent of home-dwellers to invest in preventative technology so the break-in never happens. The company approached IDEO to refresh and simplify the look and feel of its connected products to reach this wider audience and help them feel safe.

Interviews with potential customers revealed insights that informed the new design. Families told the researchers that existing security systems are expensive, bulky, and hard to install and use. Instead, systems should be unobtrusive, but responsive to your needs. They should react appropriately in emergencies, while also protecting your privacy.

Responding to those requests, IDEO overhauled the design and interaction of more than a dozen SimpliSafe products, including a wireless, touch-to-wake keypad; easy to install sensors; and a smart home base that acts as the brains of the system. Additionally, IDEO designed SimpliSafe's first step outside of the home—a video doorbell that can be used in tandem with the namesake home security system or on its own. Making the system enjoyable and intuitive to use means families are more likely to use it consistently—and correctly.

The team developed a consistent design language across SimpliSafe’s physical products, user interface, and digital presence. That clear visual language lets you know what each component does right out of the box; for example, the glass break sensor looks like a human eardrum that might actually hear a window shattering. The design also reduced the size of entry sensors by four times, while improving their range and battery life. Tapered backs and swept-front surfaces for all of these sensors help them blend into your home. The new system’s clean, understated appearance instills confidence without stoking fear of what could happen.

SimpliSafe’s keypad and base station guide you through setting up the system with voice feedback, while gentle LED lights and sound cues let you know at a glance that the system is armed correctly and you’re in safe hands. The system is also equipped with multiple layers of backup, so you don’t have to worry if the power or Internet goes down.

And the system responds intelligently, tailoring the way it reacts to match different scenarios. For instance, it sends a gentle reminder if a window is left open but a police response if a window is broken in. The design team also incorporated a first-of-its-kind privacy shutter on the system’s security camera so families can opt out of being recorded at home.

SimpliSafe launched its redesigned security system in early 2018, replacing the company’s two previous generations of products at the same price point. Already, the revamped system has cut the number of support calls from new customers.

In June 2018, venture fund and private equity firm Hellman & Friedman acquired SimpliSafe in a deal that valued the company at about $1 billion.

With a record number of applicants, stiff competition for top students, and a desire to make classes more diverse, college admissions teams are feeling the strain. Bowdoin College in Maine, one of the top liberal arts schools in the U.S., received more applications for the class of 2022 than for any other in its 224-year history.

Whitney Soule, Bowdoin’s Dean of Admissions and Student Aid, saw her staff at risk of burning out. On the advice of Bowdoin’s president, Clayton Rose, she invited IDEO to embed at the college and help design a new way of working. The IDEO team studied Bowdoin’s workflow and zeroed in on the application process as an area ripe for redesign.

By observing how Bowdoin counselors read applications, IDEO learned what drove their decisions. Mindful of how their choices could impact young people’s lives, counselors prioritized a meticulous reading of each application. But this thorough approach meant they often engaged in redundant work or delayed making final decisions.

IDEO designers translated their insights into a book for staff, featuring watercolor portraits of the admissions team and a clear articulation of their values—from integrity to inclusion. The book was IDEO’s promise that introducing a new reading process wouldn’t mean sacrificing Bowdoin’s personal touch.

Then, the designers and counselors ran A/B tests using real applications from past years, unwinding long-held beliefs about how they “should” be read. Soule and her team experimented by adjusting timelines and other factors that determine when and how applications move from a first read to a second read to a committee discussion.

Soule gave her team explicit permission to toss their typical playbook. Seeing their own process with fresh eyes, counselors realized they could be more confident in their expertise and tweak their workflow to meet changing demands.

A/B testing proved that some variables had little effect on the team’s final admissions decisions. With that in mind, IDEO redesigned the reading process and included a system called “magic sort,” which helps parse groups of applications based on a new set of counselor assessments in order to route each to its next round of reviews more efficiently.

The IDEO-Bowdoin team put the revised technique to work right away, processing 300 new applications from the annual QuestBridge program for low-income students. Counselors found they were able to make equally valid decisions while cutting the amount of overlapping work they faced by 40 percent, compared to years past.

Working with IDEO challenged us to change the way we work together—and we learned a new method of problem solving that we continue to use. We are better equipped to elicit creativity, then channel it into the practical implementation of new solutions. It’s been transformative!

WHITNEY SOULE, DEAN OF ADMISSIONS AND STUDENT AID, BOWDOIN COLLEGE

The new reading method let staff cope with a growing volume of applications, while balancing the need to evaluate individual students with the need to think holistically about the makeup of Bowdoin’s student body. Counselors adapted the technique to the rest of the year’s admissions cycle, including early-decision, regular decision, and transfer applications.

To extend what her team learned to other departments, Soule has led several design thinking workshops across campus. Her success as a leader has mirrored the growth of her team and the college; by empowering staff with new tools and the freedom to experiment, Soule and Bowdoin are leading by example in the evolving world of higher education.

For half a century, Swarovski has crafted iconic chandeliers dripping with the brand’s signature crystals. With the rise of new interface technology, the company came to IDEO for help to design the chandelier of the future.

IDEO designers set out to create beautiful, emotional experiences by layering technology onto Swarovski’s lighting offerings. Whether it’s setting the tone for a sophisticated retail experience, creating subtle ambiance at a romantic dinner for two, or providing true quality light to read a book, the team considered how a chandelier can enrich personal moments throughout the day.

Swarovski and IDEO assembled a multidisciplinary group, including industrial and UX designers, brand experts, and engineers to quickly vet, build, test, and refine their ideas.

Designers from IDEO and Swarovski worked together to completely reimagine the crystal chandelier.

Together, the team designed a new tech-infused chandelier and family of other light fixtures. At first glance, the chandelier resembles a simple, sleek metal disc. But when you turn it on and peer inside, an endless number of crystals swirl far into the distance—an Infinite Aura.

The Infinite Aura collection also includes pendant and wall lights. The team developed a mobile app that proactively modifies light settings based on the time of day, and also lets users customize their experience—including adjusting brightness and color to set a personal mood, or “Aura.”

Unlike most fixtures, Infinite Aura doesn’t just give off ambient light; families can also benefit from high-quality functional light, directed downward to help them focus on a task or diffused upward and downward to create a subtle ambiance. In a similar way, the chandelier can expertly illuminate a library, hotel lobby, or concert hall.

The new lighting line adds greater functionality and emotional resonance to today’s smart buildings, while retaining Swarovski’s timeless elegance. Infinite Aura debuted in Frankfurt, Germany in March and will be available internationally in fall 2018.

More than half of Americans don’t have the cash to cover a $400 emergency expense like a car repair or trip to the hospital. Taking that reality to heart, American Family Insurance, a Fortune 500 company that offers auto, home, business, and life insurance, was seeking a way to make an impact by helping people earn and protect—not just insure—the things they value.

American Family approached IDEO with an ambitious goal: to innovate in a way that would help working families—many of them existing American Family customers—who need a financial cushion in case of the unexpected. This new mission fell in line with American Family’s overall orientation toward increased social responsibility, including committing to a liveable wage for all employees, helping with student loans, and providing college scholarships and tuition reimbursement for employees’ children.

In early discussions, American Family thought people might need budgeting tools, but from the very first research interview, a different urgent need emerged: people needed a way to shore up their savings enough to protect against unforeseen needs. This same story came from numerous places. In Tennessee, the IDEO design team sat in the kitchen of a working single mom of four, who explained how her lifestyle was built around her extremely constrained budget. She couldn’t afford childcare, so she’d organized her home to allow her 11-year-old to watch the younger kids: partitioned snacks, timers on the TV, chore charts on the fridge. She managed her budget meticulously, it was clear, and she didn’t need new financial tools. What she really needed, she said, was extra income cushions so a surprise expense like a doctor’s visit or stretch investment like a kid’s basketball uniform wouldn't derail her plans. Like many of the people the team visited across the country, she didn't want to take on debt; she wanted extra work and the dignity and peace of mind that comes with it.

Could we, the team wondered, offer people who already have jobs the extra hours and income they need in a way that reduces, rather than exacerbates, the stress they already face? Would employers get on board?

The short answer was yes. Today’s businesses depend on on-demand work, including seasonal warehouse and retail shifts. Typically, companies look to temp agencies whose model is built on staffing with the goal of permanent placement. Moonrise enables companies to tap into a workforce that's already employed, allowing them the benefits of passive recruiting (reliability, consistency), but for short term work.

Knowing innovation was the path to growth, American Family took a chance by embracing a radically new brief: Create a service to help families living on the edge bridge the gap between the size of their paychecks and the size of their dreams. The result was a new business venture called Moonrise.

When customers told us that having an easy way to earn extra money could improve their lives, we were compelled to pursue a solution. Moonrise is a business with a human-centered mission. We’re proud it’s part of our American Family.

Jack Salzwedel, Chairman & CEO, American Family Insurance

The Moonrise platform lets workers sign up for shifts with partner organizations through a simple text message interface, and get paid as soon as their shifts are done. Employers who sign up to partner with Moonrise can list open shifts on the platform.

“Moonrisers” are W-2 employees of Moonrise, not contractors, so they don’t have to pay self-employment taxes. They also get personalized business and comment cards to take to job sites, making their interactions with employers feel more professional. In this way, Moonrise helps workers not only build a buffer against unexpected bills, but also explore new positions and fields—and perhaps even land new full-time work with Moonrise partners.

To test the program in real time, IDEO and American Family assembled 11 Moonrisers, six employers, and a team of designers and programmers to work out kinks in the platform. During a one-week live pilot in Wisconsin, Moonrisers finished a combined 28 work shifts, earning an average of $121 each, while IDEO designers worked behind the scenes to keep the process running smoothly.

Based on the success of the pilot, American Family created a new startup company called Moonrise, which became a wholly owned subsidiary of American Family. Moonrise launched to the public in the Chicago area in 2018, with plans for an eventual nationwide rollout. Moonrise signed Enterprise Rent-A-Car as its first employer and actively matches workers in Chicago with shifts, while continuing to build more corporate partnerships.

Since launching in 2018, over 7,000 people have applied to become Moonrisers, more than 7,000 shifts have been fulfilled, and over $500,000 has been put into the pockets of hardworking Moonrisers. Additionally, Moonrise will be expanding into 3 additional states in 2019.

IDEO and American Family Insurance interviewed customers of The General—a division of American Family—about how they budget to make ends meet. In this conversation, customer Chandra told designers how $62 could be the difference between breaking down and breaking even for her family.

It’s not always easy for established companies to innovate, especially outside their core business. But innovation is a high priority for American Family. Creating an employee -centered startup like Moonrise solves an urgent problem and distinguishes them from their competition. Together, American Family and IDEO identified a pressing human need and built a program from the ground up to meet it.

As designers who love toys and games, we set out to explore how we might reduce the environmental impact across the whole industry.

The toy industry’s environmental impact is the flip side of the joy of play. The $90 billion toy industry is a highly plastic-intensive sector, using 40 tons of plastic for every $1 million in revenue. It contributes significantly to the 11 million tons of plastic dumped into the world’s oceans each year, causing widespread damage to marine life and ecosystems.

If the toy industry can reduce its plastic usage by half, it would mean millions of tons less plastic entering the oceans, mitigating the harmful effects on marine life and helping to preserve ocean health. It would also be an opportunity for the industry to serve as a beacon, setting a new standard and demonstrating that significant reductions in plastic usage are achievable and impactful. 

We’re looking to help create a transformative leap that propels our industry forward. That means we need to design better play experiences that are inherently more sustainable, joyful, and viable for kids, families, and the companies that manufacture them. “Consumers are asking for it, and toy companies are starting to feel the need to do something about it,” says Lynn Rosenblum, Professor of Toy Design at Otis College of Art & Design. “They are finally understanding that they must take urgent action.”

To take action of our own, we conducted an internal design project to understand how kids and parents feel about their toys, what would make more sustainable toys a viable option, and how we could not just make a non-plastic alternative, but something even better. We spent four weeks with parents and their kids, as well as industry experts who are working to address this design challenge. We also rapidly prototyped our ideas both digitally and physically, turning concepts into testable experiences the kids could play with. With their help, we surfaced insights that point the way to a better future for the toy industry—and the planet. 

‍Sustainability alone won’t sell toys.

Most families do not view green toys with the same pride as they do STEM toys. (Not yet, at least.) To make sustainable toys more appealing, they will need to provide additional value, like affordability, enhanced educational benefits, or support for children's development. Jessica, a mother of a 5 year-old, told us that to her, the ideal definition of sustainability would be toys that last long enough for all of her kids to play with them, and when they’ve outgrown them, the chance to pass them on to another family. “When I think of sustainability I think of getting a lot of use more than the sustainability of the environment,” she says. 

‍Plastic lasts longer than kids’ attention spans

Families often prioritize durability when they’re buying toys. But according to a study with  2,000 UK families, parents estimated that 15 percent of toys their kids receive for Christmas are neglected within days, 23 percent within a month, and 50 percent within six months. Children often tire of specific toys long before they wear out. So unless we can increase the amount of playtime with toys from the outset, they’re destined for a quick trip to the landfill.

‍Children love natural materials

As 10-year-old Jude was playing with some of our prototypes, he told us, “Plastic toys are a scam.”  He preferred his wooden toy train tracks because “They won’t break.” Jude and many of the other kids we talked with were clear that they preferred the tactile and sensory experiences of natural materials, even if they aren’t consciously aware of their material preferences when they select toys. Often, the dominance of plastic in the marketplaces is less about kids' preferences—it's about the convenience and affordability that plastic provides.

Being resourceful is fun and sustainable—but you can’t unwrap it

Children love to make their own toys, repurposing Amazon boxes as backdrops or using face masks as doll dresses. They’re often happy just coming up with their own ways to play. But, as Jessica said to us, “The grandparents just want to see them open a present.” Extended families tend to prefer buying a new physical toy that can be wrapped and unboxed. The surprise and reveal are part of the appeal. At the same time, it's worth noting that there is a thriving, if informal, secondhand market in places like Facebook or Buy Nothing where parents and children are perfectly happy with pre-loved toys.

Nixing is easier than fixing

Most toys are designed to be disposable, fostering a culture where repair is uncommon. As Jessica told us, “In today’s culture, everything is just thrown away because it’s so cheaply made. It’s cheaper to buy a new one. If you are buying quality toys then it makes sense to invest to maintain, to take care of it, to repair it rather than throwing it away.” Unlike high-quality sustainable toys, many plastic toys lack durability and repairability, making them more likely to be discarded.

From insights to action

How, though, do these insights translate to opportunity areas for toy companies, and joyful and more sustainable toys for families? We created a set of quick  concepts to help us learn quickly about how we can have an impact on the future of sustainable toy design. Here’s what some of of our prototypes look like, and the opportunities they helped us uncover.

Create non-plastic toys with superior functionality

There’s a big opportunity in designing  trendy yet sustainable toys using alternative materials, and enhancing their appeal by incorporating vibrant colors, exciting designs, and interactive features. By emphasizing durability and engaging play experiences, we can make non-plastic toys the preferred choice for both children and families. Picture a unique collection of toys crafted from natural materials sourced from the very environments where kids love to play, like seaweed beach toys, or bamboo car tracks.

Design toys for circular play models

Another option? Creating systems to make existing toys function within a circular economy to minimize their footprint. Introduce easy-to-use, repairable, re-sellable, and shareable toys designed for longevity and multiple users, built on children's natural play behaviors like constructive and collaborative play. These systems should seamlessly integrate with parents' existing rituals and day-to-day activities, making sustainable play convenient and practical for families. Think new platforms that transform toy repair into a fun and educational experience, or a second-hand toy purchasing experience where kids and parents can discover gently used toys ready for new adventures.

Offer play as a service

Revolutionize play with toys designed for maximum imaginative impact and minimal environmental footprint. By embracing alternative business models beyond the traditional pay-for-product approach, we can unlock new ways for kids to engage in meaningful and sustainable play. Focusing on access rather than ownership to reduce new toy production, minimize waste, and extend play time or use technology to breathe new life into existing toys through AI-enabled or VR experiences. 

Already, we’re building concepts and new toys based on these opportunities, and we’re excited to make them real. If you want to work together to build a more sustainable future for toys, get in touch. 

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This project was informed through conversations with numerous experts, and families all around the US. We're grateful to them for their contributions.

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While the toy industry has thrived by delivering joy and play to kids worldwide, the scale of plastic production has led to real environmental challenges.

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

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

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

Lean into co-design

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

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

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

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

Break norms

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

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

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

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

Embrace unexpected collaborators

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

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

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

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

Focus on design from the outset

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

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

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

Prototype to widen your aperture

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

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

‍Make a vision, but don’t get too attached

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Future #3. Financial services will be invisible.

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

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

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

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

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

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

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.