Commonwealth Bank of Australia was interested in helping customers and businesses build close connections. They believed the way to do this would be by creating richer interactions around different forms of payment. The bank approached IDEO to explore these opportunities, and the result is a new retail business platform—Pi—and a portable payment device—Albert.

Pi brings a new level of flexibility, functionality, and customization to the face-to-face interaction between a cashier and a customer, improving everything from the process of splitting the bill in a restaurant to helping a guest find more personalized experiences at a hotel.

Insights

In the team’s research in Australia, the UK, and Germany, they found a few key insights that informed the design. First, they saw that an ideal platform should support the full spectrum of human behaviors around payment. Second, platforms can add value by improving the relationships among banks, merchants, and customers. And third, the payment experience should be customized to fit a specific setting, working one way in a luxury boutique and another in a gas station.

IDEO, CBA, and Wincor Nixdorf worked together closely to steward the design of Pi And Albert through product development and implementation, and to gather feedback from merchants during rapid, iterative cycles.

Results

The platform is flexible enough to benefit organizations of all sizes: Larger merchants can incorporate Pi as part of their existing network, while smaller merchants can grow their business using powerful business tools. And customers of all kinds can easily access a variety of payment methods and helpful applications.

Albert offers a large touchscreen that’s intuitive to use, the safety of virtually encrypted PIN entry, and a variety of ways to access data connections. A large battery provides power when retailers are on the go, and a modular housing means that Albert can be used in all kinds of situations. The device is built to handle current card payment methods but can also adapt to how cards might be accepted in the future, and even eliminates the need to swivel a screen from cashier to customer during the payment process.

Forty million Americans became newly eligible for health coverage when the Patient Protection and Affordable Care Act (ACA) was fully implemented in 2014. Some enrolled in health insurance for the first time, while others were able to get better access to affordable health coverage.

In preparation for the millions of applications, states were required to develop ways for people to sign up for health insurance online for plans that were operated by state and federal governments under the ACA. To help public and private agencies to meet the requirements, a coalition of nine national and state-based foundations, led by the California Health Care Foundation (CHCF) developed a digital enrollment prototype, and hired IDEO to lead the consumer research and design effort.

After a yearlong collaborative process, the resulting 300-page design manual and design reference prototype illustrates a customizable approach to public and private health insurance enrollment.

The flexible set of design standards developed for Enroll UX 2014 aims to make online health insurance enrollment simple, intuitive, and easy to navigate at scale.

To encourage PhD candidates to think differently about how they tackle tough science problems, the University of California, San Francisco (UCSF) and IDEO embarked on a fruitful collaboration.

Three PhD candidates were tasked with the following challenge: Cultivate new audiences and uses for a microscope. Drawing inspiration from cell phone microscope CellScope, the trio arrived at a prototype that was less reliant on technology and easily disassembled and reassembled. How? By using the most basic building blocks: Legos.

Made of custom 3-D-printed parts and standard toy building blocks, the LegoScope, which functions as a microscope, can easily snap pieces in and out to hold different components. Both the device and the team-based process are now being used in various other campus projects to change how researchers think about conducting and advancing scientific research.

“The best work in the future is going to be done by teams of people with very different expertise, who know different things and think about things in different ways, who come together to focus on one big problem,” said Keith Yamamoto, vice chancellor of research at UCSF, who led the initiative.

Arye Barnehama and Laura Michelle Berman wanted to take their invention—a headband that measures brain wave activity, focus, and concentration—to the next level. As a part of IDEO’s startup-in-residence program, Barnehama and Berman collaborated with IDEO on the product’s rebranding, hoping to refine and emphasize the product’s promise: When people improve their focus, they feel more mindful, confident, and productive.

With IDEO’s help, the company changed its name from Axio to Melon, delineated their brand, refined its product, developed its user experience, and prepared a Kickstarter campaign that garnered considerable press coverage. The new name, Melon, reflected the friendly, scalable character of the company. The name also suggested the intent of the product—using neuroscience data to inform a personal activity.

To distinguish Melon as a standout in the crowded quantified-self category, IDEO designers made the logo a faceted orb that references the gear-shifting mind, with “Melon” written in a distinctive font born from that same logo. The team went with fruit colors—cantaloupe, honeydew, watermelon—to evoke the sweet, refreshing experience the Melon headband promises.

Together, the Melon and IDEO teams also developed an app that shows increases in concentration after performing certain tasks and features a game in which you “fold” origami through mental focus to hone concentration.

Melon’s new brand strategy and UI set it apart from your typical fitness tracker, engaging the user in an elegant, joyful, and customized experience with every interaction.

Melon: a headband and mobile app to help you measure focus.

I took this picture in the neighborhood where I grew up in Istanbul. The streets of Istanbul are very dynamic places, full of commerce, conversations, fights, love, drama. But they’re not always designed to facilitate all the different activities that take place there. So people regularly find ways to design the interventions they need.

In this picture you can see a table built around a tree to create more space for people to hang outside. An awesome way of working around nature and creating space for social encounters—tactical urbanism perhaps?

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.

In one sentence who are you?

Artist from Bristol, UK, currently living in NYC.

What do you do? How did you learn it?

I draw and paint every day. It is hard to pinpoint how I learned to draw, but I have been practicing since I was a young lad. I would always draw what was around me.

I have always been inspired by artists who draw with an energetic, loose line. Quentin Blake, Ralph Steadman, Chris Orr, Robert Weaver, and Linda Kitson were artists I looked up to.

As I got into my early teens, I really got immersed in depicting the urban environment. This was fueled by picture books that my dad would bring back from trips to the US. American cities didn’t look like UK ones.

I went to art college, but I largely stuck to my guns and just made the work that I wanted to make. To be honest, I’m making it up as I go along.

WATCH: IDEO San Francisco mural, 2017

3 favorite possessions?

My sketchbooks from the last 25 years and a giant Spitfire that I made and had hanging in my old studio.

What does a typical work session look like?

I am normally juggling three projects, so I try to split up the day and do a few hours on each.

I tend to do the large-scale work in my studio apartment, and then I have a desk in a shared studio where I do smaller jobs.

So I guess I work in two to three hour bursts, and then go do something else. Obviously, if there is a pressing deadline, that goes out the window. I do 12-plus hour sessions sometimes.

How do you get over creative block?

Go running, to the gym, or for a pint. Talk to a friend and then go out and draw something. Or just start something. Sometimes I think too much.

I also keep a small, pocket-sized sketchbook on my person, so that when I am traveling about the city I can draw people and things that catch my eye. It is a lovely way to see stuff. People spend so much time looking at their phones these days, they miss out on so many things that are happening in real life.

How do you see the world in 2078?

Warm.

What’s your number one bucket list item?

I’d like to watch a cricket test match in the Caribbean.

Who are you creative crushin’ on lately?

I am looking at painters a lot these days. Here are a few: Peter Doig, Paul Davis, Jacob Lawrence, Jules de Balincourt, Enoc Perez, John Virtue, Edward Hopper, George Bellows…

I first discovered Patrick Vale's work while sourcing muralists for an installation in our entryway. I became entranced by the organized madness of his large-scale cityscapes—the attention to detail, consistency, and sheer patience they required to complete. Pat embedded himself in IDEO's San Francisco studio for more than a week—morning, noon, and night—to create an alternative map-view of San Francisco. I caught up with him to get the backstory.

As the person in charge of the overall employee experience for IDEO San Francisco, I should have known better. Neither my husband nor I have any experience running a coffee business. Had we known how hard it would be, we would have surely taken one look at the space and balked. Instead, we tore down walls, stood in line at the city building department, had our eyes opened wide, cried out in frustration, and in the process, learned a hell of a lot.

Thinking about starting a side business after hours? Here are 5 lessons we learned the hard way:

1. The laws won’t bend around your business

Turns out it’s staggeringly difficult to open a city-approved and permitted food establishment in a space where there hadn’t previously been one. The ADA laws (The Americans with Disabilities Act) are incredibly intricate. When IDEO opened a new office to house our growing business, I already understood the language the architect used to describe ADA issues we might face, and how bureaucratic and difficult the permit process might be.

2. Designing a great experience = problem solving

If you're starting a side biz, think hard about which learnings from your day job are transferable. Working in experience design, I already knew what it was like to be in a constant state of problem solving, failing quickly, and learning from it all. My relationship with the IDEO community and my commitment to giving them what they want—and to saying no when necessary—was paramount. I use my skills in thinking about space, how best to use it, and how to realize potential problems before they surface every day at Snow White.

3. Everything will go wrong

We installed an ice cream machine that failed almost immediately. (Who knew your ice cream machine won’t stay cold enough if your shop isn't air conditioned?) We’ve also dealt with the lack of a freezer or a proper ice machine, too little dry storage, and leaking sinks. When you're starting a new business, expect to be prototyping and problem solving around obstacles constantly.

4. Take breaks and rely on your community

We’ve learned when to say no and when to take a break. That has been essential to avoiding burnout. Expect to call in lots of favors and make sure you return those favors over time. We’ve made strong relationships with our community by asking them for favors when we need to, and giving back to them when we can.

5. Blind faith is your friend

Some lessons are less tactile, like how being fearless pays off in the end. It allows me to make quick changes without feeling paralyzed. We all let barriers get in the way. We come up with reasons why something won’t work. The blind faith we had when we decided to open the shop is in itself a lesson—and the most important one we learned. I've taken that lesson back to IDEO (and we certainly have better coffee in the office now too!).

A year later, the learning continues. We’re constantly trying new things to evolve our business. Stop by Snow White Coffee Bar for a latté some time and let our defiance inspire you to jump into something you think you can’t.

Last winter, while walking down a busy shop-lined street a block from our home in Oakland, my husband and I noticed a handwritten FOR LEASE sign posted in the window of a dirty dry cleaners. “This is such a great location, someone should put a coffee shop here!” we joked. But it was no joke—four months later, on April 20, 2016, we opened the doors to Snow White Coffee Bar.

Inspired by the New York Times’ piece on How to Fall in Love with Anyone, I reached out to my fellow IDEOers and asked about some of their favorite ways to break down barriers when meeting new people—especially in a group setting. They showered me with activity ideas.

Here are my top 5 favorite ways to break down barriers:

1. 3 Things in 3 Minutes

Everyone partners up with someone, ideally a person they don’t know well. Each pair has three minutes to discover three things they have in common that go beyond the obvious, like “We’re both in this room together,” or “We’re both wearing glasses.” After three minutes, everyone shares what they’ve learned with the group. Discoveries get pretty specific and have ranged from “We both have an adopted 11-year-old daughter from Guatemala” to “Our moms went to high school together in Detroit!”

2. Whose Life Is It Anyway?

Each person brings photos of their life (house, room, stuff, friends, etc.). The only rule is they can’t be in the images. When the group comes together, each person puts up their photos, and everyone has to guess whose life is whose. After each person is revealed, they have an opportunity to share a few components from their lives that are represented in the photographs.

3. Grouping Game

Create a series of categories that a group can use to organize themselves. They might be as simple as “cat person or dog person” or “Mac user or PC user,” or provide a bit more context about people’s background, such as “oldest, middle, youngest, or only child” or “religious or non-religious.” Once you have a handful of categories, call them out one-by-one, and have people form groups based on how they identify. For each round, have people ask one of the other questions of another group. By the end of the exercise, they will have been part of a dozen or so different “communities,” each comprised of a different set of people.

4. Acknowledgement Line

Have the group form two lines facing each other. Then, have them partner with the person they’re facing and take turns following these prompts (even if you know nothing about them):

• What do you want to know about this person? (Curiosity)
• What do you appreciate about this person? (Appreciation)
• What do you want to share about yourself with this person? (Acknowledgement)
• What can you contribute or give to this person? (Contribution)

5. Uniqueness Share

Each person takes turns sharing a fact about who they are or what they've done. If someone else in the room has done it before, then the person sharing needs to come up with another fact about themselves. So, if one person says, “I biked across the country,” and someone else says, “I’ve done that too!” then you would need find another fact, such as “I lived in Thailand.” Keep going until you find something that is truly unique about each person.

Any one of these exercises will help bring a feeling of common humanity into view. So, next time you enter a room full of strangers, save the cheesy icebreakers and admit that you’re a cat person instead.

Thanks to Mollie West Duffy, Neil Stevenson, Deirdre Cerminaro, Caryn Voskuil, and Heather Currier Hunt for their contributions.

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Walking into a room of strangers can feel daunting. Small talk is hard enough, and it’s even trickier to delve into deeper topics right off the bat. I chuckled when I found out that the Dictionary of Obscure Sorrows has a term for the realization that every person has a story as complex as yours. But how do you unlock those stories with someone you've just met?

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.