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.

It turned what would be a humdrum brand mark into one that was tongue-in-cheek and playful. Optimistically, I wondered if it helped lift the spirits of the Great Croft residents. I also started looking for more typographical serendipity.

There are plenty of examples of signage that has degraded to the point of being unreadable, but a beautiful accident is where the change looks intentional and, ideally, adds to the meaning and character of the neighborhood.

I saw my second example at Unity Kitchen Cafe in the new Olympic park in East London, where residents and Londoners further afield are drawn by attractions such as the children’s adventure playground, nature park, or velodrome. The cafe contained a diverse mix of nationalities, so it seemed rather fitting that this broken C was reminiscent of a cedilla (ç), a nod to any European visitors. Please don't fix the sign, I love it the way it is.

I became obsessed. Searching everywhere for more evidence of meaningful mistakes, even engaging my family in the hunt, and it was on one such hunt that I found the Pelican restaurant in Peckham, south London.

I’ve been wondering about how we might design for beautiful accidents: if wear and tear isn't a thing we can control, how we can make accidents appear elegant? At Wired magazine they call such intentional accidents Wrong Theory. Inspired by Edgar Degas’ painting, Jockeys Before the Race, in which the artist defied the conventional composition of his day by inserting a grey pole that bifurcates the scene, slicing right through one of the horses’ heads. The same could be said of Marcel Duchamp’s act of turning a urinal on its head, signing it R. Mutt, and deeming it art. Wrong Theory celebrates the act of breaking the rules.

But part of the beauty of Beautiful Accidents is that they are rare. If you find one, please share it with me! Check out my Instagram or tag your photos with #beautifulaccident.

I first spotted a beautiful accident when I saw the sign for the Great Croft housing estate in London. The A swinging down against the Akzidenz Grotesque type worked so well, in part aided by the horizontal seam in the concrete, that I had to think was that serendipity or intentional?

Two years, two photography classes, and a few countries later, I did a deep clean of my hard drive. Between filing away evidence of big parties in tiny apartments and hundreds of nearly identical photos of elephants, I realized that I had taken a lot of pictures of couples. Not five or 10, but closer to 100. And not of people that I knew, but of complete strangers.

On their own, these photos could have been easily overlooked amidst thousands of snapshots of friends and family, but seeing them all together gave me a rush of giddiness and warmth. So, I set out to gather more and began posting the shots on Instagram.

As soon as I launched the account, publicly declaring my habit, I found more and more moments of tenderness in everyday life. I shot from a distance to maintain a layer of anonymity and focus on the transfer of emotion rather than the individuals themselves. My intent wasn’t to get the story behind the shot, but simply to collect these unprovoked and unpolished moments. And as I collected, my definition of public displays of affection expanded to include heads on shoulders, joint selfies, synchronous footsteps—even the imagined closeness of two people standing in proximity to one another. I've found love on street corners, in subway cars, and at national monuments. Instead of walking around with my head down, I was discovering tiny moments of joy in the world.

And the more I found, the more I felt like at any given moment, anywhere in the world, hundreds of people are holding hands, or touching arms, or leaning in to each other. The act of looking for love led to finding it, which led to actually feeling it.

Head to @lookingforloveblog for your fix.

A few years ago, I spotted a tear-off paper flyer stapled to a telephone pole that read LOOKING FOR LOVE. Every tab had been pulled.

However, more data means more time spent managing data. So about four months ago, I pulled together this little helper, an automated assistant that I coded to save our design team a little time. We even gave it a little personality to make living with it more fun.

The bots

The inspiration for this bot came from our Chicago team, which was working to develop a health monitoring app for smartphones and watches, and wanted to include a prototype messaging system. Rather than spending time coding a system that would automate responses, they hooked up the Slack interface to a service that would send and receive text messages. The result was a system that allowed a non-technical design researcher to send targeted messages directly from Slack, freeing up the developers to work on the next challenge.

Meanwhile, in London, we were tracking the daily travel of more than 40 people. During the course of the project, we recorded more than 160,000km of driving, so we built a bot to help us keep tabs on our fleet. Each time a journey was complete, the bot would post a note into a special channel, allowing the whole team to see the activity without having to log in to a separate system. The bot also helpfully included a direct link to a separate dashboard, in case anyone wanted to dig deeper into the data.

The tech stacks

Chicago's bot was part of a loop that connected each of the participants’ smartwatches directly to a design researcher:

Each day, participants would log their activities using Siri’s voice-to-text feature. Siri then transcribed the voice message, and the text was sent to the database, where it was time stamped and stored. From there, a copy was sent to Slack, where each participant showed up as a team member in the chat interface.Then the whole stack reversed, allowing any member of the team to send a message to the participant. Each day, the design researcher simply had to send a normal Slack message and it appeared on the participant’s smartwatch.

We found their workaround really inspiring, so when we started our travel behavior project, we looked for similar ways to save time.

To start, we opted to store each trip in Parse. Once a drive was complete and recorded, we used Parse's Cloud Code functionality to send a message to Slack using the Incoming Webhook integration. The result was a message from the slackbot each time a drive finished. Cloud Code allowed us to format the message with a link back to the data, so it was easy for researchers to click to learn more about each trip. We could format the message however we wanted, so we gave the bot a small bank of phrases to use to add a little personality. We also gave it a few emoji so that it would fit in with the Slack communication style.

These messages popped up in a specific channel. Our team could choose to listen in, or mute it. Over the course of the project, it became a useful reminder that there were real people behind these driving patterns.

What we learned

The Chicago bot showed us that we don’t always need a technical person to manipulate complex systems. Not only did our bot save us time, we were also able to add a little magic to the prototype, which gave our participants a better experience. It also gave all parties—the design team, the client, and a technology partner—a better sense of what was going on, and a quicker way to jump into the data. We’re constantly working to find better ways to collaborate with our clients, and small touches like these make it easier to act on our research. Perhaps the most revealing thing about our adoption of these tools was how quickly we assimilated them into our teams. The new tool went from novel to normal surprisingly quickly.

The future

While adding intelligence to the bots seems like an obvious next step, it could be a dangerous move to outsource too much of our process. After all, we’re here to learn. I'd rather have a legion of simple "toolbots" shaving time off repetitive tasks than software that makes decisions for us, which could cause us to miss valuable insights. Our goal is to empower our teams, not to replace them.

See the London Bot on GitHub here.

Special thanks to Ben Syverson for his help on this post.

We’re always looking for smart ways to learn more in less time. This mentality has led our researchers to push the boundaries of the data we can record in our research process. Alongside the qualitative data we gather from interviews, we also pull together behavioral data collected over longer time periods. We might record someone’s steps per day, or the route they take to work, in order to find insights into the patterns of everyday.

A self-proclaimed “sports guy,” Marc first tried archery at 12. By 18, he was a competitive archer, training 4-6 hours a day and traveling across Spain to shoot arrows alongside the country's best bowmen and women, including members of the current Olympic archery team in Rio, Miguel Alvariño, J. I. Rodriguez, and Antonio Fernandez. (Although the modest interaction designer is quick to shun any comparisons.)

Marc left his custom-made, Olympic-grade bow at home when he relocated to IDEO Chicago for a 7-month internship, but he cheers on his country’s team remotely every night, binge-watching Spanish videos of the day’s competitions on his home laptop thanks to some clever, scrappy, and—ahem—ingenious online “workarounds.”

While firing arrows at a bullseye 70M away might be a thing of the past, archery taught Marc many lessons he pulls out of his quiver as a designer today: honing your technique, being honest about your strengths and weaknesses, staying open to new ideas and strategies, and improvising in the moment. Lessons that also apply to successfully launching a Finger Blaster to nab a coveted banana 10 yards away.

WATCH: The ever-hungry intern takes aim at a midday snack. Video by Sophie Feng.

But, then again, if this design thing doesn't work out, there's always Tokyo 2020!

Marc Exposito was born for the Olympics. Literally. The Barcelona native arrived into the world during the heyday of the city’s 1992 Summer Olympic Games.

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.