When you’re under 40, buying a life insurance policy may seem about as practical as buying a Humvee. That makes insurance a tough sell for a 165-year-old company like MassMutual. To find a way to become relevant to this generation, MassMutual partnered with IDEO with a mission to get young people interested in their own spending habits.

Over the course of two years, the teams set out to learn about how people across the US spend and save their money, and they uncovered a simple theory: you either have a smart money mindset or you don’t. When it comes to being mature about financial issues—chipping away debt, saving to buy a car—it doesn’t always come naturally. If anything, many feel disconnected from money-related matters, even if it’s in their best interest to know more.

"I hate going to a bank and not really knowing what I am doing when it comes to money," said Simon Bowers, a 31-year-old who works in public relations, featured in an article in Fast Company about the MassMutual-IDEO collaboration. "They don’t seem to take into account that this might be scary for us."

So how to invite this wary demographic to the table? Design an accessible way to meet them wherever they are: online and on their phones. IDEO helped build the new venture from the ground up—designing a brand identity and experience focused on transparency, meeting users where they are, and helping people navigate complicated financial situations so they can live life on their own terms. It’s called Society of Grownups, and you can think of it as a sort of master’s program for adulthood. Each piece of the program builds on a common vision that continues to iterate every day.

After building and testing full-scale, live prototypes, the brick-and-mortar Boston location opened in 2014 and operated much like a supper club—a warm, inviting space where young people could hang out, feast on delicious meals, attend talks, and learn about things like 401Ks, living on a budget, and how to pick good, cheap wine. After two years of continued prototyping, MassMutual recognized that the digital channel has the most potential to grow and closed the brick-and-mortar location to focus their investment in building out the bespoke online financial tools to reach more people across the nation.

From leeches to gene therapy, how we treat sickness has changed beyond recognition over the centuries. But one question asked by ancient healers and modern doctors alike remains the same: “How are you feeling?”

“We’ve had the ‘quantified self’ for a number of years—sensors that measure steps, weight, blood pressure,” said Bruce Hellman, cofounder of UK-based digital health startup uMotif. “But by only focusing on the quantitative, we miss the whole picture of a person.”

Hellman cofounded uMotif in 2012, inspired by the self-awareness he gained when tracking his sleep after his baby was born. uMotif gives people the tools to record and track their mood, sleep, and clinically relevant symptoms like dizziness or breathlessness on their mobile phone app, and share the resulting data with their doctor and care team to better inform appointments, and treatment plans.

Named as one of 50 UK "scale-ups" that could grow to over £100m in revenue by not-for-profit organization Silicon Valley Comes to the UK, uMotif’s software and apps have been deployed in dozens of hospitals, and profiled in The Guardian, The Daily Telegraph, and The London Times. With a view to scaling strategically, Hellman applied to IDEO Europe’s first Startup in Residence, a three-month-long program to accelerate companies through design thinking. “We brought the whole of uMotif to IDEO: product, organization, branding, approach, and business model,” said Hellman. “We were keen to re-consider just about everything.”

During the residency, the uMotif team embedded with IDEO’s London studio to work closely with an eclectic team of interaction, business, and communication designers, and design researchers, to explore every aspect of the business.

The team found that although uMotif’s organic growth had reflected the rapidly expanding digital health market, the offer was somewhat fragmented as a result. In response, uMotif decided to tighten its sales focus from 14 branches of medicine to just two: oncology and cardiology (with mental health as an R&D area).

In-depth interviews with patients, nurses, doctors, and executives revealed a clear opportunity: “simple symptom tracking for people going through an acute or serious period in their health, to activate and extend the patient-care team relationship,” Hellman says. The focus switched from the Quantified Self to the Qualified Self, coined by the team to reference uMotif’s unique approach to measuring how people feel.

Designers set about reconfiguring and prototyping aspects of the brand, product, business, and organizational model for delivery. Whereas the original uMotif product had been designed with a single clinician in mind, the team designed a new dashboard catering for the reality of modern healthcare—multiple caregivers.

Ultimately, uMotif’s offer is not just about helping patients understand their own health; it’s about providing meaningful insights that enable them to have richer conversations with their care teams—allowing them to work together to improve care plans and outcomes.

“We are a much more focused, confident, and clear organization, truly prepared to scale sales, delivery and clinical impact,” says Hellman, referring to the impact of their participation in the Startup in Residence program. Now back in its own headquarters, the team takes with it a toolkit of IDEO systems and processes with which to run their business and to apply to new projects, products, and services.

“Health systems around the world are quickly adopting digital channels,” he said. “We aim to be at the forefront of this inevitable shift, using design thinking to put people at the centre of their care, improving quality of life, treatment outcomes, and healthcare experience.”

WATCH: uMotif: Sam's Story.

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IDEO designers wanted to take on a challenge: How might we help kids make better decisions around food and being active?

Designers moved forward with three concepts that addressed this challenge from three completely different directions:

• Top Chops, a hands-on cooking adventure that builds kids’ confidence in the kitchen by working toward becoming a Top Chop “master chef.”
• Daredevils, a wearable device that measures the intensity of energy exerted, but doesn’t prescribe the activity, which kids can use to dare each other to reach activity goals.
• Presso, a set of child-size kitchen tools that slice and dice fresh food in imaginative ways, making cooking fun and helping kids feel they have a role in making their own healthy food.

The design team behind this work was featured on 60 Minutes, and some of the resulting concepts were featured on CBS This Morning.

In updating the popular and industry-defining PalmPilot, Palm Computing wanted to reposition the next-generation Palm V as a high-design accessory to set it apart from its many imitators.

Together with IDEO, it crafted a sleek, elegant device, half the thickness of the original in an anodized aluminum housing. Incorporating an internal lithium-ion battery that recharges in the dock, the side rails act as an open architecture to provide attachment for a variety of styluses, cases, and other add-ons.

Kelly masterfully weaves together what he calls the 12 forces, tech trends driving us into the future. In Kelly’s view, the forces—Becoming, Flowing, Filtering, Remixing, etc—lean on and reinforce each other. Each is a combination of technologies and societal factors that give us a preview of what the future will look like. In the Cognifying chapter, Kelly details the ways artificial intelligence is already catalyzing technological disruption, and imagines the infinite ways it will continue to change our experience. What happens when physical objects aren’t just smart, but also constantly learning? Like many of the chapters in the book, Cognifying is both entirely relatable and totally mind bending; you unpeel layer after layer, occasionally pausing to savor the individual seeds.

As Rodriguez notes in the episode, each chapter almost seems like a book unto itself. “It feels like what we get here at IDEO with a group of people in a project space for six months.” It turns out, some of these chapters started 10 years ago as blog posts, then went through ruthless revisions by magazine editors, and were rewritten again over the years, eventually ripening into this multifaceted fruit.

Some business books are like bananas: easy to consume, bland, too mushy. But when IDEO Futures host Diego Rodriguez dug into podcast guest Kevin Kelly’s latest book, The Inevitable, it felt like something entirely different. Kelly’s book outlines the technological trends that will drive every aspect of business going forward. It’s no banana. It’s more like a pomegranate—layered and fractal. Peeling back the layers requires work, but the rewards are juicy.

That’s the radical promise of the Circular Economy: moving from our traditional take-make-dispose economy, to one that has a closed loop, where materials, nutrients, and data are continuously repurposed.

Working with the Ellen MacArthur Foundation, which aims to inspire a shift to that new model, we’ve designed this guide to meet an emerging need among industry leaders: an alternative, restorative, and regenerative approach to business, one that creates new value and delivers long-term economic, social and ecological prosperity.

Transitioning the Circular Economy into the mainstream will be one of the biggest creative challenges of our time. But we believe design thinking is an ideal approach for tackling this complex, systemic, ambitious challenge.

Created for innovators, entrepreneurs and intrapreneurs, the guide aims to raise awareness of the Circular Economy, nurture a systems perspective, and share practical innovation methods.

We hope these ideas will galvanize readers to start designing tomorrow’s breakthrough businesses.

Get started at circulardesignguide.com.

What if we had a new way to design products, services, and businesses that were good for people, the planet, and business?

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I’ve always loved drawing. I had cool, encouraging parents who’d do things like let me draw an invitation to my 6th birthday party, then go make copies of it so that I had personalized cards to send out.

I remember discovering my mom’s college sketchbook in the basement when I was a teenager, and feeling like it gave me a window into who she was at that time of her life. I started keeping sketchbooks in 10th grade, and have managed to hold on to almost all of them since then.

In my career as a programmer, I live and work inside my computer screen. My professional body of work can sometimes feel so ephemeral—everything I’ve ever made could be wiped out by a really strong magnet. So it feels really nice to have some solid, double-layered bookshelves and bins full of sketchbooks to step back and look at sometimes.

Lately, I’ve been drawing complicated women in the evenings. A woman’s physicality is so much more political than a man’s—and to me, this makes it so much more powerful. A woman has more expectations placed on her physical looks—her clothes, her hair, even her expression—and that only makes it that much more of a provocation when those expectations are thwarted.

When I was a kid, I’d spend hours drawing Ariel from Disney’s A Little Mermaid. I'd sometimes catch myself unconsciously copying her expression with my own face. Even at 9 years old, I’d feel a little embarrassed when I felt a big, fake grin on my face. I liked Ariel and her gadgets and gizmos aplenty, but I wasn’t like Ariel. I was faking it.

Then in high school, when it was time for my exciting locking-myself-in-my-room-and-drawing-self-portraits period, I had to shift into thinking intentionally about what my face was doing while I drew from the mirror. I found that whether I was trying to make a specific kind of face, whatever came out ended up feeling like a character. And that somehow felt instantly more powerful than just the image in the mirror.

The women I like to draw now capture some element of that feeling. They may not be the definition of self-possessed, they may or may not be confident and composed, but they are self-aware, and in control of what they are putting out into the world. They may be performing a little, but they're doing it on their own terms, for their own benefit.

They’re from noir movies and punk bands. They’re artists, journalists, wastoids, and dweebies. I like to think they lived for themselves and as themselves—the most provocative act there is for any human. I admire them and want to see myself in them

“I have been drawing complicated women in the evenings lately.” Cambridge software designer Ashley Holtgraver reveals the secrets of her notebooks.

In Lima, Peru, people who give out free newspapers or sell water and snacks on the on-ramps to the highway use these little wooden crates to sit on or put products on. To avoid carrying the crates home every night, they tie a rope between the box and the railing, then drop it over the edge overnight. This keeps them from getting cleared or taken because they're virtually invisible from the other side. The crates aren't that valuable, but it's probably a hassle for vendors to carry them around or find new ones every day.

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 the invention of new products, services, and experiences.

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.