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.

Each mythic tool/medicine could be used to combat common childhood ailments and illnesses in a way that celebrates each malady from beginning to end.

We are big fans of design fiction as a means to push our thinking and to explore what the future could look and feel like. For this design fiction exercise, we challenged ourselves with finding ways of turning kids into the heroes of their own young lives. We set out to create empathetic tools for childhood ailments and illnesses that recast painful, awkward and embarrassing experiences as rites of passage, spirit journeys and superpowers. To that end we asked ourselves a few questions to get started:

How might we turn embarrassing childhood moments into badges of honor?

How might we empower kids to celebrate the sometimes awkward illnesses of childhood?

How might we design for rites of passage, or inspire rituals that spark a contagious creativity?

So, we let our imagination go into a world with monsters in the closet, serpents under the bed, and yellow eyes peering out of the darkness. And we asked ourselves how to take the trauma and the terror out of routine childhood experiences. One thing we knew for certain: solving problems technically and explaining them rationally wouldn’t get us very far. First, we had to address them on an emotional, even mystical plane.

Childhood can be full of play and promise, but also pain. What might seem like a temporary annoyance to grownups can be felt as an unending bout of humiliation and suffering for young hearts and minds. Pink eye, lice, ear infections, zits—the barrage of indignities can wreak havoc on even the most self-confident kid.

But what if these childhood ailments were recast as rites of passage and superpowers? What if the telltale itchy scalp or bloodshot eyes could be framed as something to embrace, even be proud of? That’s what Phantasy Pharmacy seeks to capture in its design fiction collection of mythic tools that could be used to combat common childhood ailments and illnesses in a way that celebrates each malady from beginning to end.

To get the full, unadulterated experience, check out phph.ideo.com.

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Did you ever have lice as a kid? A bunch of us here at IDEO Cambridge did and we haven't forgotten how awful and embarrassing it felt. And when designers are faced with never-ending, wish-I-could-forget-you experiences, they start looking for ways to fix them. Recently, the studio banded together to create Phantasy Pharmacy, a bit of design fiction to help us stretch our imaginative limits and wrestle down unhappy childhood memories.

1. More than meets the eye

Tracking shots of winding country roads, and lingering peeks of sheet metal: car ads might seem as lifelike as it gets, but they’re often surprisingly realistic CGI, particularly for new cars that might not be public yet. To keep up that realism, post-production house The Mill’s neat solution has been to create a Transformers-like rig, with adjustable wheelbase, height, and driving style, to help its artists mimic pretty much any car, without costly shipping and availability worries. Take a closer look at the rig here.

2. The weird satisfaction of a close shave

For the crafty and OCD-inclined people—like us—who find pleasure in perfectly cubed fruit, watching cans being crushed, or a Leica body being painstakingly filed, relax and enjoy these slightly hypnotic videos of master Japanese ceramicist Abe Haruya at work.

3. Welcome to our open house

Kitchen of the future exhibitions stretch back half a century, but Arduino founder Massimo Banzi and acclaimed sci-fi writer Bruce Sterling have gone one further: they created Casa Jasmina, an open-source apartment in an old factory in Turin, to test what a connected home might look like in the future. Furniture and fittings are modular and hackable, and artists and companies are invited to submit ideas for connected appliances. Eventually, you’ll be able to rent the space out on Airbnb, says Banzi.

4. Getting conversational with computers

When Google’s AlphaGo deep learning software beat Go champion Lee Sedol, the world saw, via the media, a firsthand view of the power of artificial intelligence. But we’re still a long way from solving real problems, in part because interacting with AI is stuck at the computer science level. But an intrepid gang of interaction designers are building clever new ways for humans to better interact with these systems, argues computer vision and machine learning expert Greg Borenstein on Medium. Read the article here.

5. Go local with Airbnb

Fancy dining with a sumo wrestler, feeling frisky at a burlesque show, or getting your hands dirty with an urban farmer? Airbnb is helping travelers belong anywhere with a new product they’re testing. Called Experiences, it helps adventurous guests book escapades with local hosts. Check out Airbnb Experiences here.

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In this week’s Creative Caffeine, IDEO London serves up a quintuple shot of inspiration: post-production house The Mill’s transformer car; the weird soothingness of shaving ceramics; a visit to Arduino’s open-source apartment; designing with artificial intelligence; and drinks with a sumo wrestler, courtesy of Airbnb.

Name: Shruti Ramiah
Location: Munich
Role at IDEO: Design Research Lead
Joined IDEO: 2011
Website: www.shrutiramiah.com
Titillating Fact: I travel a lot for work, and one thing that helps me make every new place feel like home is the BBC World Service Radio (plus a healthy dose of BBC Radio 4). My grandfather used to tune into the World Service News every evening on Shortwave Radio. Now I have the digital radio on almost all the time, and I find the familiar voices very grounding. It’s also why so many of my conversations start with “So, I was listening to this show…”

1. Flash Forward

Flash Forward is a podcast about the future. Each episode starts with a little audio story playing out one potential future scenario—from the believable to the bizarre. I love the way Rose Eveleth brings intangible futures to life in these stories and then breaks them down to investigate the elements of the scenario.

2. New Philosopher

I discovered this magazine in Sydney. It’s one of many great independent magazines coming out of Australia. Each issue focuses on one theme that is relevant to contemporary life, and explores it from a variety of perspectives. I am amazed at how they make philosophical questions accessible and understandable. Don’t be put off by the name.

3. Jean Jullien

Jean Jullien is a wonderful graphic artist with a great light-hearted sense of humour in his work. Following him on Instagram ensures that there’s always a smile (or a smirk) waiting for me in my feed everyday. @jean_jullien

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In this series, we ask IDEO designers to share the stuff they're digging right now—tools, books, music, sites, people, places—so you, too, can drink from the fount of inspiration bubbling up here. This week's guest star: Shruti Ramiah.

OUR FIRST TIP COMES FORM NJOKI GITAHI, SENIOR COMMUNICATIONS DESIGNER AT IDEO, WHO RECENTLY LED INDESIGN NOVICES IN NEW YORK THROUGH AN EMAIL-BASED INTRO TO ADOBE'S POWERHOUSE PUBLISHING TOOL.

Sometimes you need to cut to the chase. If you're learning a tool outside your discipline, it's usually because a deadline is looming and your go-to experts can't help. There's no time to luxuriate in lessons. You need Quick + Dirty tips: bite-sized tool tutorials to beef up your skills, one morsel at a time.

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.