The future of finance is changing, players are shifting roles and customers are decreasing their level of literacy.
As designer I feel people like me, working on the innovation side of products, play a key role in the future of finance. So let’s look together at the future that is painting ahead of us and to understand where we can act to change it.

1. U T U E SRF
THE FUTURE OF
PAYMENTS.
What do we wish for?
Francesca Terzi - Designit - June 2019

2. U T U E SRF
Bright Side:
We got far ahead and
changed the way we
think about money.

3. U T U E SRF
3
PAYMENT AS
BANK AGNOSTIC
No atm, no card, no bank account, just
get the job done.
Wavy by Klarna

4. U T U E SRF
4
REMOVED THE
FRICTION
We created smooth user experiences embedding
payments seamlessly in people’s lives thanks to
technology.
Apple pay

5. U T U E SRF
5
Temporary
Value
Propositions
GAIN BACK
USER TRUST
Making users feel understood
in the way that resonates with
them.

6. U T U E SRF
Qapital

7. U T U E SRF
TRUSTWASHING

8. U T U E SRF
DON’T
REFLECT
PEOPLE’S REAL
BEHAVIOURS &
NEEDS

9. U T U E SRF
“ the number of young Germans
with debts increased by almost 70
percent in just ten years ”
Statistischem Bundesamt Bayern 2018
Dark Side:
What about
consciousness and the
feeling of reality?

10. U T U E SRF
ARE WE ON THE
RIGHT PATH?

11. U T U E SRF
Steve Selzer - former Airbnb / now Googles about to change?
“ it is about intentionally
adding the kinds of friction
that lead to
self-reflection,
self-discovery,
and personal growth.”

12. U T U E SRF
EDUCATION TECHNOLOGY
Innovation

13. U T U E SRF
Doconomy
As Innovators
OUR BIGGEST
CHANCE
REDESIGN THE FRICTION
FOR BETTER EDUCATION
= Trust

14. U T U E SRF
THANK YOU TECH DAYS FOLKS!
Francesca Terzi
Twitter @franciodipizza
Linkedin francesca.terzi
Slideshare.net/FrancescaTerzi
Email francesca.terzi@designit.com