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  • 1. The New Bank Experience - Design Management Master - IED Barcelona 2010 Think different Bank different Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 2. The New Bank Experience - Design Management Master - IED Barcelona 2010 Time is Gold Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 3. The New Bank Experience - Design Management Master - IED Barcelona 2010 People aim to optimize their time Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 4. The New Bank Experience - Design Management Master - IED Barcelona 2010 How do people optimize time? customize multitask delegate alternative solutions Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 5. The New Bank Experience - Design Management Master - IED Barcelona 2010 Banks manage gold Banks manage = time Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 6. The New Bank Experience - Design Management Master - IED Barcelona 2010 A bank’s main touch points Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 7. The New Bank Experience - Design Management Master - IED Barcelona 2010 Traditional Approach Physical banking Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 8. The New Bank Experience - Design Management Master - IED Barcelona 2010 Today’s Approach physical banking online banking Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 9. The New Bank Experience - Design Management Master - IED Barcelona 2010 Global Trends Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 10. The New Bank Experience - Design Management Master - IED Barcelona 2010 Generosity $ $ $ $ Viewer Reader Blogger Film Maker Artist Listener Viewer Listener Musician social micropayment Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 11. The New Bank Experience - Design Management Master - IED Barcelona 2010 Sharing Think Tank an organization that conducts research and engages in advocacy Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 12. The New Bank Experience - Design Management Master - IED Barcelona 2010 Do it Yourself Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 13. The New Bank Experience - Design Management Master - IED Barcelona 2010 “ Today we share information, our life stories, our thoughts and opinions, and crucially, our ideas. This has created a society populated by those who operate like this every day ” of their lives. - WGSN 2010 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 14. The New Bank Experience - Design Management Master - IED Barcelona 2010 Main Drivers • Time is gold • Buying time • Sharing & generosity • Alternative methods (substitution) Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 15. The New Bank Experience - Design Management Master - IED Barcelona 2010 less “push” more “pull” Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 16. The New Bank Experience - Design Management Master - IED Barcelona 2010 “ Banks should offer seminars, business tips and mentoring ” for their business clients. -Freelancer, Barcelona Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 17. The New Bank Experience - Design Management Master - IED Barcelona 2010 Persona Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 18. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria Sanchez Owns her own consultancy company with 3 other partners. Teaches a masters course part-time. ‣ Age: 36 years old ‣ Sex: Woman Ambitious, career focused, ‣ Nationality: Catalan adventurous, environmentally ‣ Resident: Barcelona and socially aware. ‣ Education: - Industrial design [Escola Superior de Disseny, Elisava] - MBA Strategic Management [USA] Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 19. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s Mindset Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 20. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s Actors Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 21. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s actors Business Personal 3 Lawyer Financial Advisor Think Tank Clients Account 2 International Network International Catalan Network Network Network 1 Online Online Events Partners Banking Banking Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 22. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s Extreme Monday Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 23. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s extreme monday 24:00 21:00 03:00 ))) 18:00 06:00 )) 15:00 09:00 12:00 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 24. The New Bank Experience - Design Management Master - IED Barcelona 2010 Where Maria wastes time Maria loses majority of her time traveling between meetings. 24:00 03:00 21:00 She looks to optimize her time in other aspects. ))) 18:00 06:00 )) 15:00 09:00 12:00 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 25. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s productive places Maria is adaptable to different working environments. 24:00 21:00 03:00 She is often working in a range of spaces with a range of platforms. ))) 18:00 06:00 )) 15:00 09:00 12:00 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 26. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s Typical Saturday Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 27. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s typical saturday 24:00 21:00 03:00 18:00 06:00 15:00 09:00 12:00 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 28. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s typical saturday Maria meets two new 24:00 contacts (networking event) 03:00 for lunch in the center of city. 21:00 18:00 06:00 15:00 09:00 12:00 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 29. The New Bank Experience - Design Management Master - IED Barcelona 2010 “I need more time...more time to work...” Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 30. The New Bank Experience - Design Management Master - IED Barcelona 2010 Where professional meets personal Business &pleasure It’s not what you know, Blurry lines it’s who you know Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 31. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s Monthly Cash Flow Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 32. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s monthly cash flow Total Income € 4.600 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 33. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s monthly cash flow Rent €1.200 1st - 5th / monthly La Caixa|Cash/Transfer € 3.400 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 34. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s monthly cash flow Bank Loan €900 6th - 10th / monthly Santander|Auto-Transfer € 2.500 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 35. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s monthly cash flow Bills/Utilities €550 6th - 15th / monthly Caixa Catalynua, La Caixa| Auto-Transfer, Cash € 1.950 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 36. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s monthly cash flow 20th - 25th / Monthly Fitness club €170 La Caixa|Auto Transfer Gas/Insurance €330 Online Transfer Cleaning €160 Cash € 1.290 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 37. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s monthly cash flow Market €240 30th / Monthly Sabadell|Debit Card/Cash € 1.050 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 38. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s monthly cash flow Retirement €250 € 800 30th / monthly Online Bank Transfer Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 39. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s monthly cash flow At the end of the month, Maria is left with € 800 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 40. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria Needs... Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 41. The New Bank Experience - Design Management Master - IED Barcelona 2010 Diversity|network Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 42. The New Bank Experience - Design Management Master - IED Barcelona 2010 Flexibility|time Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 43. The New Bank Experience - Design Management Master - IED Barcelona 2010 Organization|simplicity Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 44. The New Bank Experience - Design Management Master - IED Barcelona 2010 Opportunity Space Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 45. The New Bank Experience - Design Management Master - IED Barcelona 2010 Use Loan another time currency Use a bank Network anytime for experience anything Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 46. The New Bank Experience - Design Management Master - IED Barcelona 2010 time more time knowledge Loan Contacts Use Another Time Currency Community benefit Experience education Pitch ideas Opportunity Advice Space Guidance Access to contacts Share increase interest Use A Bank knowledge Connecting Anytime For people Network Anything Experience cultural space loyalty Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 47. The New Bank Experience - Design Management Master - IED Barcelona 2010 Concept Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 48. The New Bank Experience - Design Management Master - IED Barcelona 2010 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 49. The New Bank Experience - Design Management Master - IED Barcelona 2010 BanConnect enables entrepreneurs, business owners and freelancers to select, network and realize their projects using the bank’s existing infrastructure. Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 50. The New Bank Experience - Design Management Master - IED Barcelona 2010 The goal is to create business partnerships and connections that result in successful ventures and projects coming to life. Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 51. Concept Flow 1 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Needs: - Time - Competence Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 52. Concept Flow 1 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Bank converts: Needs > Opportunities Contact Bank Needs: - Time - Competence Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 53. Concept Flow 1 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Bank converts: Needs > Opportunities Contact Bank Needs: - Time - Competence Opportunities = New Currency Freelancer Business Owner Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 54. Concept Flow 1 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Bank converts: Needs > Opportunities Contact Bank Needs: - Time - Competence Opportunities = New Currency Freelancer Business Owner Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 55. Concept Flow 1 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Bank converts: Needs > Opportunities Contact Bank Needs: - Time - Competence Opportunities = New Currency Information, Contacts, Time, Competence Freelancer Business Owner Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 56. Concept Flow 1 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Bank converts: Needs > Opportunities Contact Bank Needs: - Time - Competence Opportunities = New Currency Benefits Information & Contacts = Business for the Banks Freelancer Business Commission Owner New clients Customer Loyalty Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 57. Concept Flow 2 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Needs: - Time - Financing - Skills Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 58. Concept Flow 2 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Idea + Needs/ Opportunities Needs: - Time - Financing - Skills Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 59. Concept Flow 2 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Idea + Needs/ Opportunities Needs: - Time - Financing - Skills Opportunity Currency Business Owner Freelancer Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 60. Concept Flow 2 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Idea + Needs/ Opportunities Needs: - Time - Financing - Skills Opportunity Currency Business Owner Freelancer Can Provide: - Financing/Investment - Knowledge/ Skill Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 61. Concept Flow 2 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Idea + Needs/ Opportunities Needs: - Time - Financing - Skills Opportunity Currency Investment in manpower, time and money Business Owner Freelancer Can Provide: - Financing/Investment - Knowledge/ Skill Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 62. Concept Flow 2 The New Bank Experience - Design Management Master - IED Barcelona 2010 MARIA Idea + Needs/ Opportunities Needs: - Time - Financing - Skills Benefits Business Owner Bank Supplies Contacts Freelancer = Can Provide: - Financing/Investment Commission for the Banks - Knowledge/ Skill Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 63. Concept Flow 3 The New Bank Experience - Design Management Master - IED Barcelona 2010 Business Owner Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 64. Concept Flow 3 The New Bank Experience - Design Management Master - IED Barcelona 2010 Business Owner Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 65. Concept Flow 3 The New Bank Experience - Design Management Master - IED Barcelona 2010 Business Owner Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Bank present opportunity (problem) to suitable investors Business Owner MARIA Freelancer Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 66. Concept Flow 3 The New Bank Experience - Design Management Master - IED Barcelona 2010 Business Owner Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Bank present opportunity (problem) to suitable investors Business Business Owner Owner MARIA MARIA Freelancer Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 67. Concept Flow 3 The New Bank Experience - Design Management Master - IED Barcelona 2010 Business Owner Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Bank present opportunity (problem) to suitable investors Becomes stakeholders / Investors in the struggling company Business Business Owner Owner MARIA MARIA Freelancer Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 68. Concept Flow 3 The New Bank Experience - Design Management Master - IED Barcelona 2010 Business Owner Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Bank present opportunity (problem) to suitable investors Becomes stakeholders / Benefits Investors in the struggling company Business Business Owner Owner MARIA MARIA Bank receives mortgage Freelancer payments again Avoid business takeover Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 69. The New Bank Experience - Design Management Master - IED Barcelona 2010 Business Owner Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Bank present opportunity (problem) to suitable investors Becomes stakeholders / Investors in the struggling company Business Business Owner Owner MARIA MARIA Freelancer Scenario Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 70. [Video]
  • 71. The New Bank Experience - Design Management Master - IED Barcelona 2010 Thank you. Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010