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A return to simplicity with a bottled tea brand

Bringing the grounding and authenticity of tea culture into the rhythm of modern life.

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Case study
Case Studies
Breakthrough Products
Food

Master Kong (known internationally as Tingyi Holding Corporation) is number one in market share in both instant noodles and ready-to-drink teas, with over $10 billion USD in annual revenue. While China has a rich tea culture, most sugar-free bottled tea on store shelves markets itself as “healthy” and “tasty.” Wanting to set itself apart from the competition by uncovering new consumer needs, Master Kong reached out to IDEO. Together, Master Kong and IDEO immersed themselves in modern Chinese tea culture and built a new, premium, sugar-free bottled tea brand that resonates deeply with contemporary tea drinkers.

During research, the combined IDEO/Master Kong team took a two-pronged approach to uncovering new opportunities: industry exploration and consumer research. The team visited various tea-related businesses, from traditional tea houses to modern beverage shops, as well as “third place” tea spaces outside of home or work. They also conducted in-depth, in-home interviews with consumers with various levels of interest in tea, delving deeply into their daily routines to better understand their lifestyles and any emotional or functional needs related to tea.

The team discovered that the essence of Chinese tea culture resonated with contemporary consumers’ longing for authenticity, simplicity, and physical rejuvenation in their fast-paced lives. This insight presented a unique opportunity for Master Kong. Instead of positioning its new sugar-free tea brand as merely a “healthy alternative” to other beverages,  it could spark a meaningful connection to tea culture, seamlessly integrating into various moments of modern life.  

Armed with this insight, IDEO designers and dozens of Master Kong beverage team members participated in a series of immersive, hands-on tea innovation workshops. Teams of experts from R&D, marketing, supply chain, and other company departments temporarily set aside their job titles to explore, iterate, and refine dozens of new tea concepts that were commercially viable, feasible for mass production, and aligned with consumer needs. The cross-departmental collaboration allowed for a broad mix of perspectives, experiences, and expertise, enriching the innovation process.

The co-creation sessions led to a new sugar-free tea product and flagship brand called Cha De Chuan Ren (“Descendants of the Tea”), which celebrates fine, origin-sourced tea and the passion and dedication of tea farmers. The novel concept resonated strongly with consumers and was validated during subsequent rounds of quantitative market testing, ensuring its relevance and market potential.

Cha De Chuan Ren launched with two signature flavors: Tieguanyin (green tea) from Fujian and Pu’er (black tea) from Yunnan. The unique mottled bottle design pays tribute to traditional handcrafted glass containers and the handiwork of tea farmers. The tactile paper label, which features Jia Ma-inspired woodblock illustrations of local tea fields and tea farmers’ hands, nods to the artisanal craft of tea making and the source of the tea inside.

“Descendants of the Tea” debuted on Tmall in April 2024. It claimed the top spot on the commerce site’s Tea Beverage V-List in August and September. Offline, it launched in FamilyMart convenience stores in May and has since expanded nationwide. The new brand received a 2024 Red Dot Award for “Brands & Communication Design.”

“We are honored to collaborate with IDEO, a global leader in innovation, as our strategic partner. ‘Descendants of the Tea’ is not just an exceptional product but also a tribute to the rich heritage of tea culture. Only by continuously integrating culinary traditions with innovation can we sustainably meet consumers’ true needs.”

Richard Chen
CEO, Master Kong (Tingyi Holding Corporation)

“Innovation is incredibly fragile. If even one leader is unsupportive or hesitant, the culture of innovation can collapse. I always encourage my team to take risks, as long as they’re not high stakes. After all, what’s the worst that can happen? At the very least, we’ll have a fair chance at creating something new.”

Wei Hong-Chen
Chairman of Master Kong Beverage Holdings Co., Ltd.

Sugary bottled teas were once very popular in China. Today, rising consumer demand for healthier beverage options has expanded the market for sugar-free tea.

#1

on Tmall’s Tea Beverage V-List, August- September 2024

2024 Red Dot Award Winner

for Brands & Communication Design
After nearly two sluggish decades, China’s ready-to-drink sugar-free tea market is finally flourishing, fueled by growing consumer demand for healthier lifestyle choices. According to forecasters, the category will surpass 10 billion Yuan ($1.37 billion USD) in the next two years. Master Kong, a leading food and beverage company in China, recognized an opportunity to design and develop a breakthrough tea product that would build on its deep R&D expertise and appeal to mainstream health-conscious consumers. As the industry giant embarked on a brand innovation journey, it reached out to IDEO for help.
Building on China’s storied tea culture, Master Kong and IDEO design a breakthrough contemporary bottled tea brand.
Master Kong crafts a modern sugar-fee bottled tea brand inspired by traditional Chinese tea culture.
Master Kong
Master Kong
A return to simplicity with a bottled tea brand, tea, tea packaging, tea brand, instant noodles, food product innovation, Master Kong, food innovation, food and beverage, brand strategy, brand design, brand identity, brand experience, product design, industrial design, new product development, healthcare design, digital health, patient-centered care, food experience, food systems, future of food, innovation strategy, business innovation, design innovation, how to innovate, understanding user needs, how to build a brand, innovation, strategy, research, customer research, customer needs, product development, sustainability, healthcare, changing consumer behavior

A luxury water bottle takes precision engineering to the extreme

Elevating the everyday with next-level design.

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Case study
Case Studies
Breakthrough Products
Consumer Products & Retail

Twenty years ago, carrying a single-use plastic water bottle was a status symbol—no more. Growing awareness of the negative environmental impact of plastic pollution, combined with the adoption of healthier lifestyles and social media influencer trends, has made reusable water bottles “it” accessories for on-the-go consumers. While brands such as Stanley, Yeti, S’well, and Hydro Flask own the under-$100 market, fashion brands such as Louis Vuitton, Chanel, Dior, and Prada have etched out a new and growing market for high-end bottles that appeal to discerning, trend-conscious young people looking to perfect their hydration habits.

Spotting an opportunity to disrupt the predominantly utilitarian water bottle market, Steinmann partnered closely with IDEO, tasking the team with developing an industrial design that perfected the tactile and sensory user experience, from drinking and carrying to disassembling and cleaning thoroughly. The collaboration deepened over time, with Steinmann and IDEO working together to develop the high-level engineering concept, the OKAPA logo mark, and packaging ideas.

Key user-centered features of the OKAPA bottle include a medical-grade German borosilicate glass interior for superior taste of hot or cold beverages with no lingering odors; a Swiss-engineered thermoplastic lockable and leak-proof tilt cap that can be easily operated with one hand when driving or doing other activities; and an ergonomically shaped mouthpiece for a pleasurable drinking experience. Precision-engineered for maximum longevity, the inner glass bottle is suspended via a shock-absorbing system inside a bead-blasted, extruded, and anodized aluminum outer shell. Eight modular parts come apart easily for either a quick or thorough cleaning.

At its core, the OKAPA bottle elevates an everyday ritual through meticulous design and uncompromising engineering. Launched in January 2025, the new bottles are available in eight contemporary colorways curated by renowned color and materials specialist Beatrice Santiccioli (BSD), including Misti Pinku, Goldie Samba, and Fetishe Noir, among others.

In the US, the reusable water bottle market is estimated to increase from $10.2B in 2024 to $14.1B by 2031, with 69 percent of Gen Zers owning at least one. Customization trends, such as personalized design and branding, are anticipated to boost the market, ripe territory for disruptive startups such as OKAPA. (Persistence Market Research)

Once a practical accessory for hikers and outdoor enthusiasts, reusable water bottles have gone mainstream. Yet none check all the boxes in terms of purity of taste, hygiene, durability, functionality, and beauty.

8

modular pieces ensure hygienic cleaning is quick and easy

100%

recyclable materials in each bottle
In the early aughts, IDEO partnered with renowned Swiss manufacturer Zyliss—and its then CEO Hardy Steinmann—to design over 25 best-selling kitchen tools. The tools were successful because they were not only well-designed and hard-working, they were beautiful objects that were a delight to use. Fast forward to 2015, when high-end reusable water bottles became must-haves for fashionable young people, Steinmann, now the founder of OKAPA, a reusable bottle startup, reached out to IDEO with a new brief and an elegant Japanese travel-sized perfume bottle as inspiration. The goal was to design and engineer a high-performance water bottle using premium, medical-grade, recyclable materials to deliver unparalleled product excellence for sophisticated consumers, making it an aspirational luxury item for Gen Z and Millennials.
OKAPA and IDEO create a luxe water bottle that pushes design and engineering to the extreme.
OKAPA launches a luxury accessory for health- and trend-conscious Gen Z.
OKAPA
OKAPA
A luxury water bottle takes precision engineering to the extreme, single-use plastic, plastic bag waste, water bottle design, premium product design, OKAPA, consumer products, retail, consumer experience, retail innovation, brand strategy, brand design, brand identity, brand experience, packaging design, product packaging, packaging innovation, product design, industrial design, new product development, venture design, new business creation, business model innovation, user research, customer research, consumer insights, healthcare design, digital health, patient-centered care, how to launch a new business, how to build a brand, innovation, strategy, user experience, research, product development, startup, healthcare, what do customers want

Brand as a conservation strategy

The Cornell Lab of Ornithology unites as “One Lab,” galvanizing a conservation movement.

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Case study
Case Studies
Creative Capabilities
Breakthrough Products
Learning & Work

The Cornell Lab of Ornithology’s mission is to interpret and conserve the earth’s biological diversity through research, education, and citizen science. Over its 110-plus-year history, its offerings grew to include everything from a quarterly magazine, popular websites and apps with millions of users (Merlin, eBird), partnerships with outside organizations, and the world’s largest database of photographs and audio recordings of birds. This abundance is a testament to the passionate enthusiasm of its employees. Still, it confused potential members and led to siloed internal efforts, preventing the Lab from advancing its urgent collective vision. “Birds and biodiversity are in peril,” said Executive Director Dr. Ian Owens. “We must take radical action with a coherent vision, united voice, and purpose.”

A responsive design showcase of the Cornell Lab website displayed on a laptop and a smartphone. The laptop shows a homepage with a bird and whale image and the tagline "Together, We Can Make a Difference," while the smartphone displays a mobile-friendly layout of the same content.

IDEO began by helping the Lab better define its audience. While primarily composed of people passionate about birds, IDEO discovered its larger audience was nature lovers interested in biodiversity, bioacoustics, conservation, and science. From there, IDEO created a brand strategy and architecture focused on helping the Lab streamline its efforts under the “One Lab” brand. The brand architecture visually articulated the relationship between Cornell University, the Cornell Lab of Ornithology, and the Lab’s many products and offerings. IDEO designed a comprehensive brand identity system to work across mediums, including a simplified logo system, new colors, type, graphic language, voice and tone, and key messaging.

A series of mobile app screens for the Cornell Lab's Merlin Bird ID app. The screens show bird identification tools with photos, species information, and options to listen to bird calls.

When the Lab’s design team began implementing the new branding elements across its website and many digital products, it became clear that the organization also needed IDEO’s help in creating tools to facilitate cross-department collaboration. To better understand the day-to-day nuances of the organization, IDEO designers worked out of the Lab, co-creating a brand activation playbook. The playbook, launched in 2023, contains recommendations for new cross-functional working groups (partnerships, visual identity, and brand voice), as well as exercises and interactive tools designed to build trusting relationships, gain alignment, foster collaboration, and manage change at scale.

A series of mobile app screens for the Cornell Lab's NestWatch app, providing guidelines for monitoring bird nests safely and ethically. Illustrations accompany the text, with bright and clean designs on a lime green background.

Post-collaboration, the Lab has applied the new brand across its website, apps including Merlin and eBird, Living Bird magazine, email and newsletter templates, and its line of merchandise. A new internal brand guidelines site has become central to employee onboarding, while new working groups are helping to bring down barriers between teams and spur collective action. Like a flock of birds, the Lab now sings one collective song.

The Cornell Lab’s 300+ scientists, professors, staff, and students were passionately dedicated to their individual team’s unique conservation projects, but segmented internal systems could stymie their collective impact.

1 brand

unifying 300+ employees and 8 departments
North America has lost more than three billion birds over the past 50 years, a precipitous decline that sounds an alarm about the planet’s health. The century-old Cornell Lab of Ornithology was uniquely positioned to reverse this trend of biodiversity loss by mobilizing a movement of 100,000+ citizen scientist members and more than 300 employees, including world-renowned conservation scientists. To have a greater impact, however, the institution needed to unify its many research and participatory science endeavors—and the efforts of numerous internal teams and initiatives—under a single, compelling brand. Working closely with Lab leadership, IDEO created and activated a comprehensive brand strategy and visual and verbal identity, making the Lab's disparate efforts more understandable to the public and uniting its employees under “One Lab.”
The Cornell Lab of Ornithology builds collective action to stem biodiversity loss, bringing conservation scientists together under “One Lab.”
How the Cornell Lab of Ornithology is amplifying conservation efforts through its brand.
Cornell Lab of Ornithology
Cornell Lab of Ornithology
Brand as a conservation strategy, Cornell Lab of Ornithology, education innovation, learning experience, future of work, brand strategy, brand design, brand identity, brand experience, creative leadership, leadership development, user research, customer research, consumer insights, co-design, participatory design, community engagement, systems thinking, systems design, service ecosystem, healthcare design, digital health, patient-centered care, civic design, government innovation, citizen experience, employee experience, workplace design, team collaboration, understanding user needs, how to build a brand, innovation, strategy, research, leadership, creativity, healthcare, education, learning

Charting a bold educational future

Ascend Public Charter Schools designs a “grown-up” vision for its young educational network.

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Case study
Case Studies
Strategic Futures
Learning & Work

Founded in 2008, Ascend Public Charter Network prides itself on providing “rich, joyful learning experiences that unlock lives of boundless choice” for its students, 93 percent of whom identify as Black or Latinx. The organization is also proud of being Black-led: 78 percent of staff and 80 percent of the executive team are people of color. Using co-design and joy, IDEO held a mirror up to Ascend’s core optimistic spirit during a moment of anxiety and change, helping its new CEO, staff, students, and parents reflect a dynamic, collectively imagined vision.

While the project’s goal was serious, the combined team centered the collaboration on bringing back fun, beauty, and imagination to those who could use it most: educators. Through engaging interactive activities, the IDEO team invited principals, PTA members, student council representatives, and board members to join “organizationally sanctioned play” moments like creating collaged vision boards and writing poems about Ascend’s impact. These interventions helped burned-out educators escape the day-to-day tasks of running schools and dream expansively about Ascend’s future. The team also solicited written, visual, and audio stories, asking community members to describe Ascend at its very best.

Stitching together submissions from 551 students, 75 parents, and 16 staff members, the co-design sessions resulted in a powerful new purpose, mission, and values, as well as a vibrant visual language and activation tools to bring Ascend’s vision of a “dope,” “unapologetically Brooklyn” charter network to life. The joyful, eye-catching visuals are embedded throughout its 17 Brooklyn schools, staff recruiting and training materials, and digital presence.

Shortly after the collaboration with IDEO, Ascend received an unsolicited  $11 million donation from MacKenzie Scott's foundation, Yield Giving, the most significant gift the then-14-year-old institution had ever received. The pivotal funding will allow the organization, with its bold new “grown-up” vision, to focus on becoming the school of choice in Brooklyn by 2027.

In the summer of 2021, one in four K-12 teachers was ready to quit. Pandemic stressors and increased curriculum scrutiny were to blame, according to a 2021 Rand Survey.

In 2022, 44% of K-12 workers reported burnout, the most of any US professions the time, according to a Gallup Poll.

Pandemic exhaustion and leadership turnover left Ascend’s new CEO eager to align staff around an exciting new vision.

$11M grant

Ascend received an $11M grant from the MacKenzie Scott Foundation a few months after the collaboration

1 collective vision

to guide a network of 17 schools

Summer 2021 wasn’t a vacation for K-12 teachers. After a year of navigating pandemic upheavals, 44 percent of elementary and high school teachers reported burnout, the highest rate of all professions in the US, according to a 2022 Gallup Poll. Meanwhile, a 2021 Rand Survey found that one in four teachers were likely to quit, compared to one in six pre-pandemic. Black and African-American teachers were particularly likely to leave the profession, threatening an already strained teacher supply. At Brooklyn’s high-performing Ascend Public Charter Network, the largest charter school network in the borough with more than 6,000 students, burnout and exhaustion were compounded by a leadership transition at the top. The pivotal moment inspired Ascend’s incoming CEO, Recy Dunn, to ask for IDEO’s help in “figuring out who we want to be when we grow up.” Together, IDEO, Ascend leadership, and the larger Ascend community co-designed a new purpose, mission, cultural values, and vibrant visual language, empowering the network to chart a joyful, energetic, and unified new course for itself.
Ascend Public Charter Schools’ turns the page on pandemic burnout and organizational change, designing a dynamic, joyful future.
How Brooklyn’s Ascend Charter Schools designed a bold, joyful, and impactful future for itself.
Ascend Public Charter Schools
North America
Ascend Public Charter Schools
Charting a bold educational future, Ascend Public Charter Schools, education innovation, learning experience, future of work, creative leadership, leadership development, systems thinking, systems design, service ecosystem, student experience, future of education, employee experience, workplace design, team collaboration, future strategy, strategic futures, designing for the future, innovation, strategy, co-design, research, leadership, creativity, education, learning

The illusion of knowing everything

To understand people’s needs, we must stretch beyond data.

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Article
Articles

In some cases, we knew nothing about the people we were trying to reach, so addressed them with the default direct marketing salutation, “Dear Valued Customer.” Finding the target audience was like being spun around blindfolded, then praying you were walking in the right direction.

Thirty-seven years later, we know virtually everything about everyone. Thanks to data mining and feeble privacy laws, we can pinpoint your exact location, health status, consumption habits, and, troublingly, what makes you laugh, cry—even think. All of that data is now being poured into the greased pan of generative AI where—we are promised—it will bake the most delicious cake, made just for us.

From direct marketing to AI-driven personalization, I’ve witnessed a transformation in how businesses reach their customers. We've never known so much about people, and yet we've rarely understood them less. In my view, using data alone to understand people has the same flattening effect as “Dear Valued Customer.”

But there is an antidote: Human-centered design.

Goodbye “Dear Valued Customer”

Once, at an international conference, I heard a speech by someone who worked for a large social media company. The premise of the talk was that a person’s “likes” could mirror their answers on a personality test. The more likes the social media company could analyze, the better they could predict a person’s personality—and to a level of accuracy that could beat what your friends knew of you; beat your family; and maybe know you better than you knew yourself.  

With that kind of knowledge, companies are able to design user experiences that feel like intimate conversations. But are they, really? Or is it only the illusion of intimacy—the hackneyed output of a data-driven predictive power?

It made me wonder: Is how we appear online—even to ourselves—who we really are?

Of course not. People are not reducible to their preferences. People contain multitudes. People change their minds, regularly and often. They respond to things that feel authentic and responsive to their experiences and identity—especially if they have historically been written off, underrepresented, or marginalized. 

The new customer, if we can imagine them in their infinite richness, has in recent times slogged through a global pandemic; discovered the unwelcome uplands of hiked interest rates and housing shortages; and likely contended with some form of professional burnout. Human lives are necessarily messy: You can’t rely on troves of data and canned messages to reach them, let alone persuade them. People can smell a door-to-door algorithm from a mile away. 

The best organizations are able to stretch how they think about their customers. The most successful businesses are able to understand and reflect back to people things that they don’t even know about themselves. 

The power of starting small 

In China, a client once questioned IDEO’s decision to root an entire concept in the preferences and needs of a small group of people. But when the product was delivered, the client recognized a level of human understanding that data alone could not achieve.

My time at IDEO has shown me that understanding people requires research at depth. For us, that often means ethnography, and you don’t have to have thousands or hundreds or even 50 people in the room to do it. What you need is a small sample of people with a diversity of lived experiences whom you get to know very well. 

Starting small requires designing with people and communities rather than for them, too. Innovation doesn’t spring from our heads as Athena from the forehead of Zeus; it's uncovered through the careful and considered use of tools, mindsets, and methods which we share with teams and communities.

Great organizations recognize that the work of understanding their customers is never complete. They continuously challenge themselves to listen and respond to what their customers are telling them, not only through data, but also by including them as co-designers.

The brutality of perfection

I once had a custom suit made for me for my wedding. To appear cool and unconventional, I asked for a red lining. The tailor wondered if I would still be fond of that red lining in 10 years. A simple question based on lots of experience. Upon a moment of honest self-reflection, my answer was, no, I would not. So, I followed his advice. I still wear that suit today; not once have I wished for a red lining. Of course, a company selling that same suit to me based on tracked preferences would’ve gladly hawked me any lining I wanted. But I am not sure I would trust that company again. I’d move on.

The organizations that will endure will be the ones that stretch their ability to deliver long-term, unexpected value to their customers.

I am thrilled by the possibilities of generative AI. IDEO’s experiments with emerging technology are as fervent today as they’ve ever been. And one of the qualities of which I’m most proud is our collective hunch that the most interesting opportunities lie in the messiest places.

That runs counter to the brutal attraction of data and AI in the current moment: an implied promise that an objectively “right” answer is within reach. Much of what we love in the world is so wrong it’s right. Perfect is not interesting, it’s not personal. In our pursuit of the spotless and ideal, we lose the essence that makes us human. The truth is, we value imperfection over perfection. 

New customer, new organization, new baselines 

I believe we’ve now reached an inflection point where many of us are experiencing a similar moment, only all at the same time. The last few years have changed how we work, how we socialize, how we spend our money, and how we think about our time. And we are being pushed to rethink how we do business, too. 

One of the baselines affecting us all is the arrival of the Climate Era. The planet reminds us daily that we have entered into a new normal. July was the hottest month on human record, impacting anyone who works outside or without AC—such as the drivers and  workers delivering boxes upon boxes to our doorsteps.

We can expect increased absenteeism and reduced efficiency, much more disruption to supply chains, and customers moving away from known polluters and toward brands that reward their conscience and their wallet. Climate regulation is coming too: The EU is working to impose tougher rules on  production and consumption in fast fashion.

Yet, while two-thirds of businesses are affected by climate change, few are doing enough to prepare for it. If we’re to avoid catastrophe, we’re going to have to redesign everything. And, if we want people to adopt Climate Era behaviors, we’re going to have to make things that are irresistible to them.

That means creating sustainable products and services that are simply better than the competition. By stretching to meet new and emerging customer needs, organizations can create products that people love and that are fit for the Climate Era.

When the instinct is to contract, great leaders stretch 

The SF adman Howard Gossage had this saying: “Nobody reads advertising. People read what interests them. And sometimes it’s an ad.” After 36 years as an advertising executive, I know better than anyone that we can’t always predict what will interest people.

But now, as the leader of an extraordinary community of designers, I know we have ways to help organizations figure it out. Creative, mind-bending ways that leaders and their teams can stretch to meet their markets and the new customer.

How? By continuously reassessing and expanding our understanding of what people want and need, with care, imagination, and sensitivity. We owe that to people, and we owe it to the planet all of us call home. 

Because in the end, the things that make our time here on Earth worthwhile are the things no algorithm can come up with on its own, no matter how much of the internet it’s ingested. They’re the irreducible things that make us who we are.

Early in my career, I worked on direct marketing mailers for British Telecom’s high-value customers.

Technology
AI & Emerging Tech
the illusion of knowing everything, technology, digital innovation, ai, emerging technology, what do customers want

Billions of users are still coming online.

Here’s how to design for them.

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Article
Articles

Every week, she makes a hefty interest payment to her suppliers without knowing how much of that loan she still has to pay off. She tried using smartphones to allow customers to pay her via QR code, but her uncertainty about the process and a few cases of fraud scared her off.  Like many aspiring to a more prosperous future for their families, Swati dreams of expanding her shop and opening a factory. But due to limited formal banking history and lack of confidence navigating digital financial services, people in Swati’s position find their options limited.

And her story is the story of a billion others living in emerging markets.

Every week, around the world, millions come online for the first time. Of all the experiences these new users face, financial services are among the most complex and high-risk.

Pulling hard-earned wages out from under the mattress and putting them into an abstract financial app or virtual wallet is a daunting task for the 1.4 billion unbanked adults globally at the last mile of financial access. Mobile phones and data connectivity are reaching more of the poorest people, but a lack of digital financial confidence continues to hold them back.

“Last mile” refers to physically remote communities as well as traditionally excluded users who lack access to the digital economy, due to lack of internet and formal bank accounts. There’s a lot that can go wrong in trying to adapt services to reach and serve people at the last mile. To solve for the needs of last-mile users like Swati, who make up about 30 percent of adults around the world, we need to redesign our financial services to be not just accessible but also inclusive, valuable, and equitable for everyone.

But building for everyone means more than just airlifting in products that have worked in the West. Here are some key factors in designing products that help build financial confidence for everyone.

PLAIN LANGUAGE, NOT PERCENTAGES

In India, rural women often struggle with formal banking. Yet, the same women deftly manage family resources to ensure there’s money for weekly expenses as well as future goals. Ask one of these women how, and she might say, “I earn 50 Rupees for every 1,000 Rupees I put in my savings group. By the end of the year I’ll have enough to buy a TV.”  Banking terms have never been in their vocabulary, but they’re experts of their finances in concrete terms.

Financial communication at the last mile needs to work differently, building on intuitive mental models people are used to, rather than expecting them to adopt new ones.

In Pakistan, the startup Finja offers credit in the plainest language possible: It shows credit terms in absolute numbers and the lending rate as a fee. Knowing some are skeptical, the startup  offers a calculator to try out different terms. Finja illustrates how small shifts can make a complex financial product more aligned with people’s mental models and easier to trust: In its first year, 25,000 merchants signed up for Finja’s app, which served 16 million customers.

TYPE SHORTCUTS

For new digital users, smartphones can be intimidating: Screens are small, text is tough to read, and on-screen keyboards are hard to use. The fear of a typo in a financial transaction can stop them in their tracks.

Last-mile users have a range of textual and digital literacy, and products need to offer multiple ways for users to engage, based on their comfort and capability.

NOW, a digital-first bank in UAE, breaks the text-only interaction model for its low-income users who send money back home to their families, by offering data input via voice, 11 in-app languages, and photos of receipts, reducing time and errors, to help users send remittances confidently and securely.  

HANDS-ON HELP

Many last-mile users need help using their accounts. Assistance often comes in the form of agents—local merchants who provide services from banks, startups, and other organizations. These agents  also provide strategic guidance as trusted proxies to formal financial services.

Yet, most financial apps are designed for one user and one device only.  What happens when a user needs to share their password with their agent because they forget their PIN? Or when a husband needs to review a financial decision with his wife? We need to design high-tech with high-touch moments of human support to truly include last-mile users.

In India, Haqdarshak made hands-on help a core feature. Knowing many were already sharing passwords and handing over their phones to strangers just to access emergency relief, Haqdarshak  introduced a secure network of agents. They explain government benefits, run eligibility screenings, and help people make informed decisions.  These agents opened up access to government benefits to millions of people through a hands-on, assisted experience, where a single-user experience would have failed.

BUILT-IN PAUSES

For last mile-users, speed can be the enemy of comprehension. App performance is often measured in the fewest taps in the fewest seconds to complete a task—making it easy to lose money or sign up for a product a user isn’t ready for.

For users with limited income, one wrong move can feel like a slip on a tightrope. Financial products need to give users moments of pause that help them regain balance when things start to feel shaky, and safety nets when a misstep does occur.

bKash and FiMoney are proving that slower is better. Their apps use “swipe to confirm” and “press and hold” to give users more control as they confirm a big financial decision. A few extra fractions of a second greatly increase a user’s sense of control in a new financial experience. For bKash, designing for financial confidence helped it grow into one of the largest mobile-money operators in the world, with 70 million users.

NO DARK PATTERNS

In Deceptive Patterns, Harry Brignull  identifies the “dark patterns” that  interlace today’s digital products, sometimes leading users to decisions they never meant to make.

Products with dark patterns can harm vulnerable users even when they are built with good intentions overall. Offering multiple credit options to unbanked people, for example, can land them in a vicious credit cycle that they are unable to maintain. But thoughtful design can help users explore the benefits and risks of new financial options, make informed decisions, and slowly build their financial capacity.

In Uganda, the startup Opareta has created a responsible loan-ladder model: It makes the first loan small in size, rewards payments made on-time (or early), and enables users who demonstrate responsible behavior to apply for bigger loans. Opareta embeds education along the way and helps customers understand the why behind each credit decision. This prevents users from taking on too much risk and Opareta from over-leveraging. Opareta trades short-term gains for long-term relationships with customers and paves the way for building financial literacy and confidence, one step at a time.

Connecting last-mile users to digital financial services takes many hands, so we put together a Financial Confidence Playbook to help any organization design products for this demographic. As for Swati, with the help of her local bank agent, and the right financial tools, she was able to double her sales and set up food stalls. She even bought her own phone, which she now uses with confidence. Actualizing her dream of a better future for her family no longer feels out of reach.

Reprinted with permission from Fast Co.

In a small town in India, Swati runs a popcorn and peanuts kiosk. She doesn’t trust banks, so she saves cash and buys supplies on credit.

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billions of users are still coming online, digital inclusion, inclusive design, digital product design

A legal and ethical framework for gen AI

Paving the way for experimentation that aligns with our values.

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Article
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“She” was supposed to serve as a 24-hour counselor for people dealing with eating disorders. Instead, psychologists and activists found Tessa was offering dieting tips.

In the me-first race to adopt AI and push new products out into the world, there are headlines everywhere that freak us out. Some 1,400 leading technologists are imploring companies in this technology arms race to pause. Sam Altman, CEO of ChatGPT maker OpenAI, has recommended the formation of a global consortium on the level of the International Atomic Energy Agency (IAEA) to avoid the catastrophic outcomes that could result from the misuse of AI.

All of us are wondering what our future is going to look like, and companies aren’t quite sure where to draw ethical and legal lines around how to use these very new technologies in their own operations and offerings. (Some organizations have placed an all out ban on them.) The decisions we make today will shape our world and have reverberating impacts for generations to come.

At IDEO, we know that tools aren’t inherently good or bad—it’s about how they are designed. Our designers have been using these tools for years, and our clients are already experimenting with them. Instead of distancing ourselves from AI, we knew we needed to set clear guidelines, to pave the way for experimentation that aligns with our values. Rather than waiting for our future with AI to be imposed upon us, we’re choosing to intentionally design it.

This isn’t new for us. For more than a decade, IDEO has integrated data science into our design process. Early on, we created the AI Ethics Cards as a foundational element of how we practice algorithmic and product design when it comes to AI systems. And through initiatives intended to help us become more inclusive, equitable, and responsible, like our Inclusive Design Collective and a workshop to break down the potential unintended consequences of our work (the psychological and human rights impact, for example), we work to help designers think through the ethical considerations of choices we make and artifacts we create.

With the proliferation of generative AI, it was time to create more tools to guide our exploration. We dove into design research to understand how generative AI was showing up in our work and how we might make it both legally compliant and caring—built for healthy individuals, healthy relationships, and healthy communities.

Knowing that the rules are yet to be written for much of the legal precedent in this domain, we relied heavily on our technologists and the Inclusive Design Collective for recommendations. Their research informed this set of considerations, which also anticipate potential future legislation.

Next, we did a go/no go exercise, vetting the most popular tools to decide which types of data  can or cannot be used, for what reason, and at which stage of our design process. And finally, we made sure that our guidelines included everyone at IDEO, from early adopters to those who are opposed to using generative AI at all. Here’s where we landed:

Download a free PDF of the Gen AI Legal & Ethical Framework cards here.

To make this line of questioning even more tangible, we offered some common ethical watchouts, and some ways that designers can offset negative effects.

For example:

Ethical Concern:

Images or content produced by AI might be mistakenly taken as factual or truthful and consequently cause unintended harm.

Mitigate with:

  • Give credit when you are using AI-generated content, and put the prompt next to the artifact where appropriate.
  • Validate factual information through a third-party source.

Guidelines for this rapidly-evolving technology are not a set-and-forget kind of exercise—they represent a snapshot in time. Likewise, it’s not possible to cover every scenario. We plan to regularly revisit and revise.

With these guidelines in place, we dug into the documentation of generative AI offerings from multiple companies. And to further mitigate risk, IDEO built its own “AI playground” tool to access a version of ChatGPT that complies with our policies and launched it to everyone in the firm—unleashing a tidal wave of AI-powered design that we’re using ourselves and bringing to clients.

Interested in testing out some of these tools and frameworks? We’d love to talk: ai@ideo.com

Download a free PDF of the Gen AI Legal & Ethical Framework cards here.

Thank you to: Esha Reddy, Evan Burton, Zoey Zhu, Graham Gardner, Jeremy Sallin, Jenna Fizel, Nohemy Stella, Tom Antony, Jeremy Chen, Alireza Karduni, Ilene Palacios, Kate Schnippering, and Bo Peng for your contributions to the guidelines.

The information provided in this article and on our toolkit cards does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information provided may not constitute the most up-to-date legal or other information. Readers should contact their attorney to obtain advice with respect to any particular legal matter. All liability with respect to actions taken or not taken based on the contents of this article are hereby expressly disclaimed. The posted content is provided "as is;" no representations are made that the content is error-free.

In June, the National Eating Disorders Association decided to shut down an AI-powered chatbot called Tessa.

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a legal and ethical framework for gen ai, technology, digital innovation, ai, emerging technology, artificial intelligence, ai strategy, generative ai, how to use ai, future of ai, ai product design, digital product design, experimentation, testing new ideas

Is it time to reimagine the C-suite?

The current structure for leading companies may no longer be sustainable.

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Reprinted from the SHRM Executive Network’s People + Strategy journal.

Derek Robson, our CEO, and Tim Brown, our Chair, believe that the fundamental role of leadership teams has changed.

The fundamental role of the C-suite has changed. In the past, the leadership team's job was to keep the existing machine humming, optimizing for efficiency and profitability. But now the challenge goes beyond delivering business results to driving transformation—in effect, building a new machine that will thrive in the future and, ideally, the present.

And the demands placed on most senior leaders of organizations have grown exponentially. Not only are they required to be constantly reinventing the company, but they must also navigate the growing expectations of employees, investors, and other stakeholders who believe that corporations and their leaders should play a larger role addressing broader issues in society that historically fell outside the purview of business. And the demands these leaders face will only increase given that relentless disruption and uncertainty are now facts of life.

Who can live up to this superhuman job description? It's time to start contemplating a mindset shift and possible reimagining of how the C-suite operates. We see four fundamental shifts that can help executives teams evolve.

How might we shift from answers to questions?

It used to be that chief executives were expected to have all the answers to any question, as if they were Athena, the goddess of wisdom. But in our conversations with CEOs over the last few years, many share the opinion that the primary role of chief executives has to shift to being constantly curious rather than all-knowing.

In a sense, the CEO needs to move from being chief executive officer to chief inquiry officer. The ability to ask the right questions is arguably more important for the CEO than having the right answers. That's because questions provide long-term focus for companies, whereas the right answer in one context can quickly become the wrong answer amid shifting contexts.

That then raises the question of whether one person can realistically be expected to be able to have all the knowledge, expertise, and insight required to explore new territory and create those questions. The answer to that is almost certainly no, and that creates a bit of a dilemma for the CEO.

Where do they get the help to be constantly curious? It may be too much to expect that support from their direct reports, given that their primary responsibility is to execute the strategies that emerge from those questions. The board may not be much help, either. Boards, for the most part, are not expert enough. They have an important role to play, and maybe some board members can play that role. But it's not something that boards are generally set up to do. They are governance mechanisms more than knowledge-seeking mechanisms.

One possible solution for providing more support to CEOs is for them to have a small set of peer advisors around them to help them figure out what the right questions are. For this to work, the CEO would need to be able to treat that group as true peers. And they not be on the payroll of the organization, so that the CEO doesn't have to also worry about the motivations of employees who might be looking to be promoted.

In most of their day-to-day interactions, CEOs have to be concerned about side agendas and ulterior motives. And for this advisory group to work, it would have to have a singular goal of helping the CEO think through challenges and questions, in the same way that U.S. presidents have assembled "brain trusts" to offer guidance on issues. The goal for the group would be to provide a series of perspectives on a problem, rather than trying to provide the answer, and help the CEO build their confidence and courage for navigating uncertainty.

How might we create more fluidity in executive roles?

This question underscores a fundamental tension in the role of the CEO and other members of the C-suite. At a time when people expect more of their CEO and their leaders—authenticity, humanity, inclusivity, greater visibility, constant communication—these senior executives also need more time away from the office to simply think, to calm the noise and figure out what questions they should be asking but aren't. And there's no way to do that other than being either intensely disciplined about it or by sharing the load. That thinking time is crucial, even if it is just to step back and ask yourself whether you are making progress on the big goals that you've articulated for the organization.

In theory, the responsibilities of leadership in organizations should be shared and spread across the other executives. One challenge there, as we mentioned earlier, is that the C-suite is primarily focused on executing the strategy, rather than contemplating new strategies.

In addition, those roles themselves are facing their own existential crisis. Not only are the responsibilities of each traditional role expanding rapidly with the complexity of the world, but we are seeing more C-suite leaders wearing multiple "chief" hats.

For example, many chief human resources officers are now also responsible for real estate, given that the future-of-work policies they are devising have enormous implications for their requirements for office space. As if that weren't enough, they are also taking on responsibility for communications—both internal and external—since it makes sense for them to be aligning corporate messaging with efforts to recruit and retain employees.

As new issues come up, responsibility for handling them will likely fall on the shoulders of the existing leadership team. But this model isn't set in stone, and it should be revisited.

We can look for lessons on fluidity from outside the world of business. Some years ago, we worked with the government of Dubai to create new ministries—including establishing the Ministry of Possibilities—and merge existing ones to address the evolving challenges and issues that society faces. Should businesses start to think the same way? Should we start to imagine C-suite leadership roles that are more agile and can be continuously restructured to deal with the challenges of the moment while also considering the future?

What's the strategy? Does the organizational structure match it? In many cases, it doesn't. You kind of drift away one degree every year, and suddenly you're a long, long way away from delivering against what you've set out for your shareholders and for the company itself.

How might we balance performance with regeneration?

As we contemplate the future of C-suite roles, another question arises: Can we structure the jobs so they aren't so reliant on people who have a tremendous amount of stamina and energy, or those who have the capacity to work constantly?

It's almost as if a requirement for the job now is to be able to score well in the equivalent of an NFL "combine," where potential draft picks are tested in various speed, skill, and agility drills. To sign up for these C-suite jobs requires a certain amount of internal drive but also pure physical endurance.

Is it possible to imagine doing this job without requiring that level of relentless physical and mental effort? Sports are often used in useful ways as a metaphor for business, but there is a key difference between the two. In sports, you don't spend all your time just playing the game. You spend a lot of time training. And the same is true for other pursuits like dance and music—you are practicing most of the time and performing for a relatively small amount of time. But in the workplace, we don't have that concept, and so we assume that leaders can both practice and perform at the same time all the time. And if you really want elite performers, that may not be humanly possible.

We may be expecting simply too much out of human beings to have them be practicing and performing to extremely high levels for thousands of hours a year. So, what can be done about that?

Organizations have to spread the load so leaders can regenerate some of the time and perform some of the time. But businesspeople are not very intentional about how we regenerate today. We are quite intentional about it in the world of sports, where there is a whole science around what it takes for an athlete to regenerate both physically and mentally. Could we be intentional in the same way in the world of business, rather than having leaders run so hard all the time that they're not giving themselves time to recover?

There are no easy answers to these questions, but they need to be asked now, before the C-suite becomes unsustainable. Rather than worshipping at the altar of the CEO, organizations need a more collaborative approach as we look to the future. Ultimately, the goal would be to create more of a collective leadership body, rather than relying on one person, the CEO, or their direct reports.

Reprinted with permission from SHRM, ©2023. All rights reserved.

Given the growing demands on leadership teams, particularly the CEO, the current structure for leading companies may no longer be sustainable.

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is it time to reimagine the c-suite, leadership, organizational transformation, future of business

Lindsey Turner

I’m passionate about building brands, products, and experiences that help organizations show up with meaning and momentum.

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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.

My tween twins teach me more about technology and gen-alpha than the last decade of trend reports.
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Rachel Young

My work helps organizations see who their products aren't working for—and build the will and the tools to do something about it

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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.

The greatest project to which I’ve ever contributed is raising my two daughters with my husband.
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Brian Pelsoh

I lead with craft, ensuring our work is creatively excellent: rooted in deep human insight and imagination, while also grounded in the realities of business and technology.

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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 love a good crit.
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Tony Wong

I am responsible for IDEO’s long-term success in China and working with clients to use design as a tool to enable growth.

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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.

I have a thing for antique maps.
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How to use AI as an editor, not a writer

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Ed White shares how he uses AI as an editor—not a writer—to sharpen storytelling, rehearse ideas, and preserve the productive friction that makes creative work better.

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Ed White has a rule he's tested on his own writing: hold yourself as the writer, and let AI be your editor. Ed is a Senior Design Director at IDEO's London studio, where he co-leads the firm's AI portfolio across Europe. Before IDEO, he spent 12 years as a writer and editor at the Financial Times, Wired, and Contagious. So when he talks about when to use AI for storytelling and when not to, it comes from two decades of crafting his storytelling skills.

In this episode, Mina Seetharaman talks with Ed about two specific tools he uses to keep AI in an editor's seat: a "roasting agent" prompted to critique his drafts without any sugarcoating, and a simulated audience he rehearses pitches on before the real thing. They also get into what Ed is hearing from design leaders at Anthropic, Lovable, Shopify, and Google Creative Lab about how creative work is changing, and why he thinks the friction of writing something yourself is worth protecting rather than automating away.

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Building a personal AI for the messiness of life: Sida Li

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Becca Carroll talks with Cue co-founder Sida Li about designing a personal AI for the messiness of everyday life—not just work. They explore how Sida stays anchored to human needs while navigating fast-changing technology, product tradeoffs, business-model experimentation, and the realities of building an AI company today.

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Most AI products today are built for work—a space with clear problems and established systems. One founder noticed a gap: personal life is messier, harder to systematize, and mostly left behind by the AI boom. So she built Cue, a personal AI that lives inside iMessage and group chats, to go where the other tools haven't.

In this episode, Becca Carroll, IDEO's Chief Strategy Officer, talks with Sida Li, co-founder and CEO of Shared Context Lab, about staying anchored to a human need while the technology around her keeps changing shape, why she treats her business model with the same rigor she'd bring to a product, and what it feels like to build a company at this particular, disorienting moment in AI.

The conversation also gets into how Sida makes design decisions: the language Cue uses to describe itself, the tradeoffs behind building inside iMessage instead of a new app, and a real story about a business idea that didn’t pan out.

This is the second in a two-part series profiling founders from IDEO's Startups-in-Residence program. The first conversation is with Johannes Seemann, founder of Sooner, on designing GenAI for the emotional side of money.

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Designing GenAI for the emotional side of money: Johannes Seemann

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Designing financial tools around the feelings that shape money decisions.

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Most personal financial tools are built to run the numbers and optimize towards a budget. While that works for some, most people experience money as a lived relationship that does not neatly fit into a spreadsheet. Johannes Seemann and Becca Carroll discuss why money is emotional before it is mathematical, and what a human-centered approach to building a generative AI financial product looks like in practice.

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The curious leader's edge in uncertainty: Scott Shigeoka

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How genuine curiosity helps leaders navigate uncertainty with greater confidence.

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Mina Seetharaman talks with Scott Shigeoka, author of Seek and Head of Curiosity Cultivation at the Eames Institute, about what distinguishes genuinely curious leadership from performative curiosity, how power dynamics shape curiosity, and why practicing curiosity can restore energy rather than drain it.

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