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.

While we designed a new family of acoustic amps for Fender, we squeezed into an Airstream for two months to better understand the touring musician lifestyle. And when we wanted to better understand the environmental impact of the things we design, we visited a sewage treatment plant to see what happens when a product can't be recycled.

We go after big problems that have never been solved. And by going all in on the unfamiliar and uncomfortable, we’ve come up with creative solutions that we might not have imagined before.

As an industrial designer, I’m a builder. I experience the world with all my senses and apply my tangible building skills to make experiences and systems. Technology inspires me because it's always been an important vehicle to advance our current state. With technology racing forward at an ever increasing pace, some advancements can impact us on an unprecedented scale. As shapers of the future, we must strive to understand the consequences and implications of emerging technology. We do this by asking ourselves uncomfortable questions about possible outcomes during the design process in areas like healthcare, the future of work, and the circular economy.

In order to better understand how emerging technologies could affect our day-to-day life, my colleagues from multiple design disciplines—industrial design, data science, communications, interaction design—and I embarked on an internal IDEO project that could give us some clues. We got curious and asked ourselves, How might the way we’re communicating with each other change with new technology? How might we collaborate together in the future when we can show up in different realities? What could be possible if the digital and physical world blend seamlessly into each other? How will we protect our privacy if we can teach devices our most personal preferences, and what will happen to our data?

We named our project The Discomfort Zone.

In order to explore these uncomfortable, out-there questions, we had to experience them ourselves, and to experience the future we had to build it. Here are the tools that we built:

Personalized Intelligence: by building a camera that can be taught to take the best self portraits based on individualized feedback, we experienced the idea of actively teaching machines our preferences. The user trains it on their ideal lighting, placement, composition, head tilt, and facial expressions. While it may seem like a trivial thing to create, teaching machines to see us how we see ourselves can show us the path to building other devices—like health devices—that the user can teach to adapt to user preferences and feedback.

Complementary Media: a device that can be taught to recognize facial expressions and emotions, then generates an appropriate, customized emotional expression for each user—like a personalized emoji—helped us imagine more depth and expressiveness online using artificial intelligence. This tool can communicate real human emotion, which could lead to improved communication among children, for example.

Shared Realities: a tool, bridging the physical and virtual, that allows workers operating in VR to sense the presence and movements of colleagues around them as if they are on the same plane. An exploration of how virtual and augmented technology might improve collaboration, it allows people to respond to virtual coworkers’ cues without fully disrupting work in the virtual environment.

Network Empathy: code that enables a user to anticipate how large social or interconnected user networks will react to messages before they are posted, bringing deeper understanding and empathy to online communication. With cues from large online networks, smart technology becomes even smarter and empathetic interaction online becomes easier—especially when it is applied to high-profile communications, or at mass scale among networks that might be discussing politics, health, or education.

Meta Identity: code that is invisible to naked eye can be embedded in an object to make it readable by a machine—not unlike a barcode—and give it meaning online. Branding and production methods might evolve toward this physical tagging method, so that users easily learn about physical objects they see, and find them online. Making the physical as searchable as the Internet could further empower consumers to align their purchase decisions with their beliefs and values.

As designers, it is our responsibility to explore the discomfort zone, design holistically, and consider the full range of possibilities of what we create. For example, as much as Network Empathy was intended to be an inclusive tool, it could also be used to manipulate public opinion by predicting the reaction of large audiences. If we use Personalized Intelligence to teach our devices our most personal preferences, what becomes of this new personal data? And who is the owner of this information: the device, the platform, or the individual?

Because technology will serve us on an even more personal level, the stakes are high. Designers are uniquely stationed to be the connectors in an ever more complex ecosystem of stakeholders, and we must ensure the tool leaves the lab and enters an ecosystem with safeguards in place to have a positive impact.

We’re at the dawn of something big and unknown. New technologies are shaping the future in ways we haven’t even thought of yet. Some of them will have extraordinary benefits, while others, through unforeseen capabilities or even sinister intentions, may have unwanted consequences. But as designers, it’s up to us to explore them early, dive into the unfamiliar, and do what we can to shape the future for the better. We’d love for you to join us here in The Discomfort Zone.

The Discomfort Zone was a collaboration among many designers at IDEO. Special thanks to all involved, including the core design team: Leo Marzolf, Jochen Weber, Brooke Thyng, Christian Ramsey, and Nan Tsai.

So much of being a designer is being willing to embrace the uncomfortable. We create new products, experiences and systems for people whose needs are different than ours—sometimes really different.

In one sentence, who are you?

I am an illustrator who enjoys bringing any amount of joy to people through my creations.

What do you do? How did you learn how to do it?

I create different drawings using pencil and ink. The illustrations range from patterns to caricatures, unique creatures, and other one-off ideas. I grew up sketching and doodling and it has continued. When I moved to LA, I was suddenly surrounded by an amazing cadre of artists and creators who constantly inspire me, as well as push me to keep improving myself. That is how I learned my craft and continue to learn, because I believe you never truly finish learning.

What are your 3 favorite possessions?

Miniature Back to the Future 2 hover board; Magnum P.I. Tiki Mug; a drawing of my fiancé and me, which she drew. Not in that order.

What does a typical work session look like?

I have a running list of ideas and sketches that I pull from if I don't have an art show with a specific topic that I am working towards. Usually, I'll do some Google searches on the topic at hand and pull a bunch of reference photos for perusal during the pencil drawing stage. I sketch out the drawing inside a pre-drawn area, such as 4x6 or 5x7. Art that is easy to frame is always a goal of mine, because I love framed art and it drives me mad when I see things tacked onto a wall or cork board. After finalizing the pencil drawing, I'll usually step away for a moment or two to play a video game or watch a show. I like to do something that differentiates the time between stages. Once I come back to the drawing, I pull out all the different micron pens that I think I will use for the piece. I check the nibs, and then I begin inking. I put on dramas in the background to listen to, or things I've seen a ridiculous number of times. West Wing and Parks and Recreation are two such shows.

I don't like to start inking unless I am going to finish a drawing that night. Sometimes, a piece is too large, and I have to break it up over two nights. If that happens, I make sure the pens I've used on the previous night are away from all my other pens. I do this to achieve a consistency within the lines. Once finished, I scan the piece, put it within a predetermined frame, and pack it up for a craft fair or deliver it if it's for an art show. Rinse and repeat as necessary.

How do you get over creative block?

I used to stop drawing and just stew for a bit until it finally passed, which could take a bit of time. As I've gotten older, and ever so slightly more confident in my abilities, I push through it. I just keep drawing. Yes, sometimes the drawings are awful, but as Lauren (my future wife) always says, "sometimes you just have to pass a rat."

How do you see the world in 2078?

A lazy utopia, filled with autonomous everything. Humanity will have moved past Earth and outward into the stars while robots cater to our every whim and we become fat and happy. I could be confusing my vision of the world in 2078 with the timeline in Wall-E—who doesn't yearn for the saccharine dreams of Pixar in 2017. It is tough to image the future right now because at this moment it feels as though we are hanging by a loose wire, and any minute now someone with a spray tan is going to cut the wire and tell us all how huge his ratings are, as we all fall to our collective doom. I hope we make it to 2078, if only so that I can enjoy my hover chair and 128-ounce Slurpee.

What’s number one on your bucket list?

I should say something epic like bungee jumping off of Thomas Jefferson's nose on Mount Rushmore, but honestly, I'd like to have my own artist's studio. Some place I could retreat to and tune out the world and draw silly pictures. That to me is something I want to do before I fade out of this existence.

Who are you creative crushin’ on lately?

I've had a one-sided love affair with Dustin Harbin for a long time. I own two of his original pieces and his diary comics book. The man can use an ink nib like Aaron Sorkin can turn a phrase.

I’ve been creative crushing on Austin Salmi since I saw his doodles, patterns, and adorable characters on Instagram almost two years ago. Austin’s work, learned through practice and osmosis in his job surrounded by artists, has a giggly character about it that fits his intention to hide the ugliness of the world for a moment, and make lovely order out of chaos. I got to learn a bit more about him and his process in this installment of Creative Crushes.

We had just begun work on a project exploring how we might help a medical-liability insurance company increase patient safety by learning from past incidents. As we talked, our conversation shifted away from excitedly imagining ideas for data-driven tools toward ways our work might potentially do harm.

What if our designs ended up raising premiums for doctors and, in turn, healthcare costs for patients? What if they kicked doctors off their insurance? What if doctors stopped reporting adverse events to keep their premiums from rising? There was real potential that our work could result in reduced patient safety or increased cost of care. We could inadvertently build a tool that could be used against the very people we were trying to help.

Today, data systems and algorithms can be deployed at unprecedented scale and speed—and unintended consequences will affect people with that same scale and speed. How can we always make sure we’re putting people first when designing large scale systems? Especially when those systems will change over time and evolve without direct human supervision?

The seed planted during that bar conversation has grown into a set of principles, activities, and now a set of cards that our teams—both data scientists and designers across every other discipline—use to ensure we’re intentionally designing intelligent systems in service of people.

We’re far from the first people to ponder this. We’ve been inspired by organizations like AI Now and Data + Society, books like Weapons of Math Destruction and Technically Wrong, academic communities like FATML and CXI. In particular, we’ve been eagerly following O’Reilly’s series on data ethics (and encourage you to read their free ebook, Ethics and Data Science).

To develop our own set of guiding principles, we started with people. We talked to folks all across the globe: We interviewed IDEO teams about where they found challenges. We spoke to our clients about where they saw intelligent systems go awry. We spoke to the public about where smart designs seemed to cross lines. We observed and read about AI systems that had gone off the rails and worked to understand how this might have been avoided. We learned a lot.

We came up with an original design, iterated on them, and landed on a set of four design principles and ten activities that can help guide an ethically responsible, culturally considerate, and humanistic approach to designing with data. These activities are meant to provoke thought; they’re a vehicle for introducing new ideas and stimulating conversations around ethics throughout the design process.

To start, here are our principles:

1. Data is not truth

Data is human-driven. Humans create, generate, collect, capture, and extend data. The results are often incomplete, and the process of analyzing them can be messy. Data can be biased through what is included or excluded, how it is interpreted, and how it is presented. Unpacking the human influence on data is essential to understanding how it can best serve our needs.

2. Don’t presume the desirability of AI

Just because AI can do something doesn’t mean that it should. When AI is incorporated into a design, designers should continually pay attention to whether people’s needs are changing, or an AI’s behavior is changing.

3. Respect privacy and the collective good

While there are policies and laws that shape the governance, collection, and use of data, we must hold ourselves to a higher standard than “will we get sued?” Consider design, governance of data use for new purposes, and communication of how people’s data will be used.

4. Unintended consequences of AI are opportunities for design

Just as with any design endeavor, we know that we’re not going to get it right the first time. Use unanticipated consequences and new unknowns as starting points for iteration.

To get started with the activities, you can download the cards here. We hope that these activities provoke dialogue and provide concrete tools to help our community ethically design intelligent systems.

Thank you to the larger team who helped make these cards come to life—Ben Healy, Jane Fulton Suri, Jess Freaner, Mike Stringer, Justin Massa, Connie Oh, and KP Gupta, who designed them.

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A design researcher, a business designer, and a data scientist were sitting at a bar. It sounds like the setup of a joke, but the conversation was actually quite serious.

As a user experience and interaction designer with a hybrid art and tech background, I’ve long been a fan of the concept of using art and design as a Trojan horse to make tricky concepts accessible. Through intrigue, curiosity, and play, these experiences can bypass our biases and open the door to understanding, without requiring deep comprehension. If you’ve ever visited a children’s science museum and watched kids excitedly engaging with subjects that would bore them to tears in book form, then you’ve seen the power of experience and play at work.

Meet ERNEST

That’s why my colleagues and I created ERNEST, an installation that gives the viewer the job of training a rudimentary artificial intelligence. Using facial and emotional recognition tech, ERNEST shows the user imagery and tries to see how happy it makes them. Our goal for this project was to engage users in a game-like experience to help them understand how machine learning models are trained, and subtly hint at the areas where bias could creep in.

Fellow IDEOer Matt Visco and I wanted to make sure ERNEST didn’t look like a modern computer—we designed it to look vintage. With its old hardware and nostalgic graphics, ERNEST doesn’t feel smart on the surface. Its look is meant to evoke a time when computers carried the promise of a utopian future, prior to mass connectivity and the ubiquitous collection of personal data.

The full installation uses five monitors, two computers, and three Raspberry Pis, which power several video loops that reveal the training data behind ERNEST, and give passersby a sense of the experience even if they don’t engage directly with it.

How it Works

ERNEST uses computer vision to perceive the user ambiently through facial recognition, allowing it to detect when a user is looking at it and how far away they are. When a user gets close enough, ERNEST comes alive and asks the user to help it learn. It then shows the viewer images intended to make the user happy, and gauges their emotional reaction based on their facial expression using a pre-trained model. The facial tracking and emotional data is displayed to the viewer in real time, encouraging users to make faces at ERNEST. Viewers can then validate the accuracy of the model to help ERNEST know if it was correct or not.

(Sound complicated? The video below might make it clearer.)

We installed ERNEST in IDEO San Francisco’s lobby for a couple of months, and also brought it to the San Francisco Art Institute Fort Mason Gallery for the CODAME Intersections exhibition in November 2018.

The Results

Many participants loved to challenge ERNEST, often emoting in varying ways through numerous loops of the game. Once, a group of participants spent nearly 20 minutes playing with ERNEST, takings turns to compare how it perceived each person.

When viewers interact and play with ERNEST, we’re helping them see that machines can have almost human-like perception, reacting differently to different faces, and sometimes being uncannily accurate...or completely wrong. The wrong guesses were in many cases more interesting, and were in fact a very intentional part of the design. We wanted users to see that artificial intelligence is sometimes not as intelligent as we might think.

ERNEST is meant to be a game, but what happens when real-world AI makes the wrong guesses? Or what if those wrong guesses are uneven, indicating an unintentional bias, such as working well for some faces but not others?

We wanted people to realize that designing systems that can ambiently perceive humans without direct input is rife with ethical concerns. And already, systems like these are being deployed at scale. The Guardian predicts emotionally-aware tech is already a $20B industry. Even something seemingly benign like ERNEST causes us to wonder—if an AI is trying to make the viewer happy, who determines what “happy” is? What if bad actors train Ernest to think that disturbing content is “happy?” What if the technology is repurposed to provoke anxiety or anger? What happens if we deploy technology like ERNEST widely?

Of course, ERNEST only scratches the surface of these big ethical questions, but we hope that it helps give people insight into how artificial intelligence thinks, and the ways its thinking can be flawed. The more that we as a society can start to understand these systems, the better we can judge their quality, and work to design them to be in line with our shared human values.

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Artificial intelligence and machine learning are among the hottest topics of the tech world, but some of us at the frontier forget that many people feel intimidated—or even afraid of—these technologies. The pop-culture trope of machine intelligence gone rogue has been a part of our cultural psyche for a good 150 years. Think 2001: A Space Odyssey’s HAL 9000, The Terminator’s Skynet, and The Matrix’s... Matrix. Combine that fear with arcane tech-speak like “recurrent neural network” and “generative adversarial network,” and in addition to feeling emotionally intimidating, AI and ML can also feel incomprehensible.

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.