Samantha – One of Us, and All of Us On a rainy spring afternoon, Samantha was absentmindedly reading the news as a procrastination tool between her two zoom calls, and finding the headlines even bleaker than usual. Unemployment numbers around the world had just hit historic highs, the mortality...
This paper shares the experiences of two teams of design professionals working on parallel grassroots social impact design projects to address poverty and financial precarity in Silicon Valley and London. This paper explores challenges facing these teams as they channel a sense of moral outrage...
Consumer finance markets are being transformed by the increasing mobility of people, products, technology, and information. This presents challenges for understanding changing consumer behaviour and building adaptable business models. Researchers are rising to meet these challenges by adapting...
How do users incorporate mobile money into their existing practices and adapt it to their needs? The answers can be surprising. Simultaneously a commodity, a store of value, and a social good, mobile money combines a large array of applications within the one platform. This is why mobile money has...
This essay explores an initiative carried on by a group of three banks , two insurance companies and a consulting firm, European leader in the field of innovation, towards the development of a methodology aimed at innovating through a user-centered approach in design. The project, baptized “Projet...
Evidence produced within quantitative disciplines like economics and finance carries an aura of gospel. The numbers, models, and forecasts we see in economic reports and market analyses in the news and reports seem certain, authoritative, and unarguable. Built on large data sets that are analyzed...
KEYNOTE ADDRESS Karen Ho is Associate Professor of Anthropology, University of Minnesota, Twin Cities. Her research centers on understanding and analyzing the culture of finance and financial institutions, its impact on corporate America as well as on broader norms of work, employment, and...
In this paper, I will use an ethnographic research project to develop a set of foundational personas to work through the process of formulating insights that challenged the core epistemological assumptions of our stakeholders. Drawing on a rich body of discourse within postcolonial theory, I will...
Application of a user-centered approach rooted in ethnographic methodologies facilitates a major European bank’s transition to a business strategy based on understanding people’s needs, behaviors, values and motivations. Three UX case studies conducted over three years illustrate our educator,...
Buy now, pay later (BNPL) products like Afterpay and Klarna promise to disrupt and democratise traditional finance by providing a fairer and more empowering financial product. Yet critics argue these products...