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- 1. Selected Business Article Millennials Are Saying No to Credit Cards http://money.cnn.com/2014/09/08/pf/millennials-credit-cards/ Jessica Harrington Professor Klinkowstein
- 2. Jessica Harrington Professor Klinkowstein
- 3. Summary •6 out of 10 don’t own a credit card. Jessica Harrington Professor Klinkowstein
- 4. Summary •Bad economy and fearing debt. Jessica Harrington Professor Klinkowstein
- 5. Summary •Good credit score is essential. Jessica Harrington Professor Klinkowstein
- 6. Setting / Activity for Ethnographic Observation Millennials buying things at book store with credit or debit card. Jessica Harrington Professor Klinkowstein
- 7. Jessica Harrington Professor Klinkowstein
- 8. Ethnographic Research, Millennials Using a Credit or Debit Card Jessica Harrington Professor Klinkowstein
- 9. Ethnographic Research, Millennials Using a Credit or Debit Card Jessica Harrington Professor Klinkowstein
- 10. Ethnographic Research, Millennials Using a Credit or Debit Card Jessica Harrington Professor Klinkowstein
- 11. Ethnographic Research, Millennials Using a Credit or Debit Card Jessica Harrington Professor Klinkowstein
- 12. Ethnographic Research, Millennials Using a Credit or Debit Card Jessica Harrington Professor Klinkowstein
- 13. Ethnographic Research, Millennials Using a Credit or Debit Card Jessica Harrington Professor Klinkowstein
- 14. Ethnographic Research, Millennials Using a Credit or Debit Card Jessica Harrington Professor Klinkowstein
- 15. Ethnographic Research Observations Jessica Harrington Professor Klinkowstein •All but one of the students observed used debit cards or cash to purchase items.
- 16. Ethnographic Research Observations Jessica Harrington Professor Klinkowstein •Students observed did not make big purchases, only small items from bookstore.
- 17. Ethnographic Research Observations Jessica Harrington Professor Klinkowstein •One man who bought a grey hoodie did not respond to the cashier when she said hi to and asked him about his day.
- 18. Ethnographic Research Observations Jessica Harrington Professor Klinkowstein •Students didn’t seem to spend more than $30.
- 19. Ethnographic Research Observations Jessica Harrington Professor Klinkowstein •Male students seemed more anxious about talk to the cashier than women. (Talked quickly, less eye contact)
- 20. Ethnographic Research Findings Jessica Harrington Professor Klinkowstein •Students don’t need bank credit cards because they’re not purchasing expensive things. A store credit card would possibly attract people.
- 21. Ethnographic Reading Summary Jessica Harrington Professor Klinkowstein •The goal for IDEO in this article was to redesign the checkpoints in airport security. Ethnographic Research-Who are the Users
- 22. Ethnographic Reading Summary Jessica Harrington Professor Klinkowstein •Prototypes were made, including a training curriculum for TSOs that focus more on understanding people and behaviors. Ethnographic Research-Who are the Users
- 23. Ethnographic Reading Summary Jessica Harrington Professor Klinkowstein •Ethnographic research is valuable in understanding what users want, not just a general idea. Ethnographic Research-Who are the Users
- 24. Ethnographic Reading Summary Jessica Harrington Professor Klinkowstein •IDEO designed a calmer environment by focusing more on explosives and people with hostile intent. IDEO TSA Project
- 25. Ethnographic Reading Summary Jessica Harrington Professor Klinkowstein •The physical space of airports was analyzed and redesigned to reduce stress of travelers. IDEO TSA Project
- 26. Ethnographic Reading Summary Jessica Harrington Professor Klinkowstein •TSA is using a human-centered approach to increase security by getting rid of other chaos. IDEO TSA Project
- 27. Ethnographic Reading Summary Jessica Harrington Professor Klinkowstein •IDEO research is observation-based, human-centered methods to understand hidden truths, needs, wants. Ethnographic Research IDEO
- 28. Ethnographic Reading Summary Jessica Harrington Professor Klinkowstein •Analogous cases help inspire innovative approaches for redesigns. Such as a hospital emergency room and a NASCAR pit crew. Ethnographic Research IDEO
- 29. Ethnographic Reading Summary Jessica Harrington Professor Klinkowstein •Meaningful benefits are provided for the consumer and the business. Innovating ideas that will last are ones that are willing to change with needs. Ethnographic Research IDEO
- 30. Proposal for an Innovative Business Jessica Harrington Professor Klinkowstein •Using a smartphone app or online system users can pre-set a spending allowance and what types of purchases one wants to allow through categories linked to the card.
- 31. Proposal for an Innovative Business Jessica Harrington Professor Klinkowstein •The app allows one to share their success with friends and compete with other users for having a better credit score.
- 32. Proposal for an Innovative Business Jessica Harrington Professor Klinkowstein •Applications include allowing users in their early to mid-twenties to obtain a better credit score allowing them to buy a house or car, and allowing users 17-20 years old to practice good credit card use.
- 33. Tagline Research Jessica Harrington Professor Klinkowstein •L’OREAL Because you’re worth it. •Subway eat fresh. •Verizon We can hear you now.
- 34. New Tagline Jessica Harrington Professor Klinkowstein •Your Budget Needs It.
- 35. Raw Background Images Jessica Harrington Professor Klinkowstein
- 36. Blurred Background Images Jessica Harrington Professor Klinkowstein
- 37. Image and Tagline Study Jessica Harrington Professor Klinkowstein