The DIY Future: What Happens When Everyone Is A Designer?
Broad cultural, technological, and economic shifts are rapidly erasing the distinctions between those who create and those who use, consume, or participate. This is true in digital experiences and information environments of all types, as well as in the physical and conceptual realms. In all of these contexts, substantial expertise, costly tools, specialized materials, and large-scale channels for distribution are no longer required to execute design.
The erosion of traditional barriers to creation marks the onset of the DIY Future, when everyone is a potential designer (or architect, or engineer, or author) of integrated experiences - the hybrid constructs that combine products, services, concepts, networks, and information in support of evolving functional and emotional pursuits.
The cultural and technological shifts that comprise the oncoming DIY Future promise substantial changes to the environments and audiences that design professionals create for, as well as the role of designers, and the ways that professionals and amateurs alike will design. One inevitable aspect consequence will be greater complexity for all involved in the design of integrated experiences. The potential rise of new economic and production models is another.
The time is right to begin exploring aspects of the DIY Future, especially its profound implications for information architecture and user experience design. Using the designer's powerful fusion of analytical perspective and creative vision, we can balance speculative futurism with an understanding of concrete problems - such as growing ethical challenges and how to resolve them - from the present day.
Acre State Government - XWebX 2012 - IBM ProjectsRafael Osório
Welcome to the Jungle! The Government of Acre State in Brazil, http://ac.gov.br, a state in the middle of Amazon Rain Forest, is doing a Social Business Transformation, implementing Work and Web Experience Solution. Come learn about how Government of Acre State is using web experience solution to improve service delivery and citizen engagement and how to implement a work experience solution to maximize the productivity of employees.
Details will include use of Site Wizard to create multiple sites of different Secretaries on Government of Acre State, resulting in the ability to implement a new Secretary Site just two days, reduced from 3 months. The team will also share how they are delivering a “One-Stop Service Center Employee Portal “ integrating WebSphere Portal , WebSphere Process Server 7.0 and delivering a single, shared view of each citizen's data created with Infosphere Information Server (Infosphere QualityStage and DataStage tools), resulting in aportal solution where the employee of One-Stop Service Center of Acre can perform more than 100 services to the citizen. Understand what and how these solutions were delivered, and next steps in their exceptional web experience journey.
How to build an alumni network with a small team, clear strategy, and lots of chutzpah
Presentation by Joel Fuller, Jason Stroyer, Christina Sponselli, CASE conference, San Francisco, March 2, 2013
Acre State Government - XWebX 2012 - IBM ProjectsRafael Osório
Welcome to the Jungle! The Government of Acre State in Brazil, http://ac.gov.br, a state in the middle of Amazon Rain Forest, is doing a Social Business Transformation, implementing Work and Web Experience Solution. Come learn about how Government of Acre State is using web experience solution to improve service delivery and citizen engagement and how to implement a work experience solution to maximize the productivity of employees.
Details will include use of Site Wizard to create multiple sites of different Secretaries on Government of Acre State, resulting in the ability to implement a new Secretary Site just two days, reduced from 3 months. The team will also share how they are delivering a “One-Stop Service Center Employee Portal “ integrating WebSphere Portal , WebSphere Process Server 7.0 and delivering a single, shared view of each citizen's data created with Infosphere Information Server (Infosphere QualityStage and DataStage tools), resulting in aportal solution where the employee of One-Stop Service Center of Acre can perform more than 100 services to the citizen. Understand what and how these solutions were delivered, and next steps in their exceptional web experience journey.
How to build an alumni network with a small team, clear strategy, and lots of chutzpah
Presentation by Joel Fuller, Jason Stroyer, Christina Sponselli, CASE conference, San Francisco, March 2, 2013
Webinar reporting results from a Moxie Software usability study with 10 community managers. Study objective was to explore why user interface design of the social computing platform matters when it comes to employee adoption.
KMA and Axceler webinar deck "The Path to SharePoint 2010". The What, Why, How around migrating to SharePoint 2010, including 11 Must Implementation Strategies
The gulf between the ideal type of a learning organization and the state of affairs in typical bilateral and multilateral development agencies remains huge. Defining challenges is half the battle to surmounting them.
This presentation is my try to get more people interested in this phenomena. Please, comment your toughs and let's share a cheer for our hobby. ;)
Note: Slides #10, 25 & 26 got text moved and shrink, sorry about that.
This case study demonstrates a simple design framework of standardized information architecture building blocks that is directly applicable to portals and the DIY model for creating user experiences, in two ways. First, the building blocks framework can help maintain findability, usability and user experience quality in portal and DIY settings by effectively guiding growth and change. Second, it is an example of the changing role of IA in the DIY world, where we now define the frameworks and templates other people choose from when creating their own tools and user experiences.
Using many screenshots and design documents, the case study will follow changes in the audiences, structures, and contents of a suite of enterprise portals constructed for users in different countries, operating units, and managerial levels of a major global corporation. Participants will see how the building blocks provided an effective framework for the design, expansion, and integration of nearly a dozen distinct portals assembled from a common library of functionality and content.
This case study will also explore the building blocks as an example of the design frameworks IA’s will create in the DIY future. We will discuss the goals and design principles that inspired the building blocks system, and review its evolution over time.
Effective IA For Portals: The Building Blocks FrameworkJoe Lamantia
Portal design efforts often quickly come to a point where their initial information architecture is unable to effectively accommodate change and growth in types of users, content, or functionality, thereby lowering the quality of the overall user experience. This case study style presentation will demonstrate how a framework of standardized information architecture building blocks solved these recurring problems of growth and change for a series of business intelligence and enterprise application portals.
In a narrative and visual review of the evolution of a suite of enterprise portals constructed for a major global corporation, participants will see how the building blocks provided a consistent and stable framework for the design, expansion, and eventual integration of the user experiences of nearly a dozen distinct portal design efforts.
After introducing the building blocks framework, the presentation will follow successive waves of change in the audiences, structures, and contents of the portals, highlighting the benefits of a framework based design: repeatable mental models and navigation flows, reuse of design and development work, reduced costs and timelines, incorporation of social media capabilities into existing architectures, and a shared reference point for the user experience, technical, and business perspectives.
Designing Frameworks For Interaction and User Experience Joe Lamantia
Design frameworks offer substantial benefits to all parties involved in creating high quality user experiences. Frameworks allow designers to better adapt to the rapid shifts in the digital environment by leveraging modularity and structure, and accommodating the far-reaching changes inherent in the rise of co-creative dynamics. This presentation - part of a full-day workshop delivered at the 2009 Information Architecture Summit - identifies the elements common to all design frameworks, and offers best practices on effectively putting frameworks into practice. Altogether, it is a short course in the creation and use of customized design frameworks.
Creating a corporate intranet portal and enable the evolution of the digital ...Thomas Maeder
Creating a corporate intranet portal and enable the evolution of the digital workplace. J. Boye Intranet & Web Conference 2012, Aarhus. Thomas Maeder, Swisscom AG.
Webinar reporting results from a Moxie Software usability study with 10 community managers. Study objective was to explore why user interface design of the social computing platform matters when it comes to employee adoption.
KMA and Axceler webinar deck "The Path to SharePoint 2010". The What, Why, How around migrating to SharePoint 2010, including 11 Must Implementation Strategies
The gulf between the ideal type of a learning organization and the state of affairs in typical bilateral and multilateral development agencies remains huge. Defining challenges is half the battle to surmounting them.
This presentation is my try to get more people interested in this phenomena. Please, comment your toughs and let's share a cheer for our hobby. ;)
Note: Slides #10, 25 & 26 got text moved and shrink, sorry about that.
This case study demonstrates a simple design framework of standardized information architecture building blocks that is directly applicable to portals and the DIY model for creating user experiences, in two ways. First, the building blocks framework can help maintain findability, usability and user experience quality in portal and DIY settings by effectively guiding growth and change. Second, it is an example of the changing role of IA in the DIY world, where we now define the frameworks and templates other people choose from when creating their own tools and user experiences.
Using many screenshots and design documents, the case study will follow changes in the audiences, structures, and contents of a suite of enterprise portals constructed for users in different countries, operating units, and managerial levels of a major global corporation. Participants will see how the building blocks provided an effective framework for the design, expansion, and integration of nearly a dozen distinct portals assembled from a common library of functionality and content.
This case study will also explore the building blocks as an example of the design frameworks IA’s will create in the DIY future. We will discuss the goals and design principles that inspired the building blocks system, and review its evolution over time.
Effective IA For Portals: The Building Blocks FrameworkJoe Lamantia
Portal design efforts often quickly come to a point where their initial information architecture is unable to effectively accommodate change and growth in types of users, content, or functionality, thereby lowering the quality of the overall user experience. This case study style presentation will demonstrate how a framework of standardized information architecture building blocks solved these recurring problems of growth and change for a series of business intelligence and enterprise application portals.
In a narrative and visual review of the evolution of a suite of enterprise portals constructed for a major global corporation, participants will see how the building blocks provided a consistent and stable framework for the design, expansion, and eventual integration of the user experiences of nearly a dozen distinct portal design efforts.
After introducing the building blocks framework, the presentation will follow successive waves of change in the audiences, structures, and contents of the portals, highlighting the benefits of a framework based design: repeatable mental models and navigation flows, reuse of design and development work, reduced costs and timelines, incorporation of social media capabilities into existing architectures, and a shared reference point for the user experience, technical, and business perspectives.
Designing Frameworks For Interaction and User Experience Joe Lamantia
Design frameworks offer substantial benefits to all parties involved in creating high quality user experiences. Frameworks allow designers to better adapt to the rapid shifts in the digital environment by leveraging modularity and structure, and accommodating the far-reaching changes inherent in the rise of co-creative dynamics. This presentation - part of a full-day workshop delivered at the 2009 Information Architecture Summit - identifies the elements common to all design frameworks, and offers best practices on effectively putting frameworks into practice. Altogether, it is a short course in the creation and use of customized design frameworks.
Creating a corporate intranet portal and enable the evolution of the digital ...Thomas Maeder
Creating a corporate intranet portal and enable the evolution of the digital workplace. J. Boye Intranet & Web Conference 2012, Aarhus. Thomas Maeder, Swisscom AG.
Future Business Models using Virtual Simulation and AugmentationBiju Shoolapani
Changes in social, economic and technologies will impact way business is conducted in future. This presentation was presented during the 2011/4th IEEE conference on Utility and Cloud Computing
UX STRAT 2018 | Flying Blind On a Rocket Cycle: Pioneering Experience Centere...Joe Lamantia
After Oracle acquired Endeca, we all had to figure out what to do next. This case study describes building a learning-driven strategy capability to guide an adventurous product development group focused on the new domains of big data analytics and machine intelligence. I’ll share the outcomes of our efforts to launch new products chartered directly around customer experience value; outline the methods, tools, and perspectives that powered product discovery and strategic planning; share a framework and patterns for identifying and understanding emerging domains; and review the application of this toolkit to new situations.
Iterative Discovery and Analysis: Workflow / Activity and Capability ModelJoe Lamantia
Models of the workflow and capabilities necessary for iterative discovery and analysis. Identifies the two primary cycles - Insight / Discovery, and Modeling - making up analysis workflow. Maps the deep structure of discovery and analysis activity using the Language of Discovery. Identifies core and enhancing capabilities necessary for analysis.
Highlights and summary of long-running programmatic research on data science; practices, roles, tools, skills, organization models, workflow, outlook, etc. Profiles and persona definition for data scientist model. Landscape of org models for data science and drivers for capability planning. Secondary research materials.
Discovery and the Age of Insight: Walmart EIM Open House 2013Joe Lamantia
Discovery is the most important business capability in the emerging Age of Insight - it's the missing ingredient that makes Big Data a source of value for businesses and people.
The Language of Discovery is an essential tool for providing discovery capability, whether at the scale of designing a single discovery application, determining the value proposition of a new product or service, or managing a strategic portfolio of technology and business initiatives.
This presentation outlines the Age of Insight, and suggests deep structural and historic precedents visible in the Age of Reason, especially in the central parallels between Natural Philosophy and the emerging discipline of Data Science. We then review the language of discovery, and consider widely visible examples of products and services that demonstrate the language.
We review our own usage of the framework as an analytical and generative toolkit for providing discovery capability, and share best practices for employing this perspective across a variety of levels of need.
Big Data Is Not the Insight: The Language Of Discovery: Joe Lamantia
Designing Effective Search and Discovery Experiences for the Enterprise, Using the Language of Discovery
The oncoming tidal wave of Big Data, with its rapidly evolving ecosystem of multi-channel information saturated environments and services, brings profound challenges and opportunities for the design of effective user experiences that UX practitioners are just beginning to engage with in a meaningful fashion. In this coming Age of Insight, 'discovery' is not only the purview of specialized Data Scientists who create exotic visualizations of massive data sets, it is a fundamental category of human activity that is essential to everyday interactions between people, resources, and environments. Search is the gateway to discovery, and thus is indispensable as a capability.
To provide architects and designers with an effective starting point for creating satisfying search and discovery experiences this session presents a simple analytical and generative vocabulary for understanding how people conduct the broad range of discovery activities necessary in the information-permeated enterprise, and defining the search experiences they need.
Specifically, this session will present:
A simple, research-derived language for describing search and discovery needs and activities that spans domains, environments, media, and user types
Observed and reusable patterns of discovery activities in individual and collaborative settings
A practical model that defines actionable patterns of information engagement throughout the enterprise
Examples of the architecture of successful discovery experiences at small and large scales
A vocabulary and perspective for discovery as a critical individual and organizational capability
Guidance on using this vocabulary to drive large scale IT portfolio management as well as the design of individual search solutions
Designing Big Data Interactions Using the Language of DiscoveryJoe Lamantia
Looking deeper than the celebratory rhetoric of information quantity, at its core, Big Data makes possible unprecedented awareness and insight into every sphere of life; from business and politics, to the environment, arts and society. In this coming Age of Insight, ‘discovery’ is not only the purview of specialized Data Scientists who create exotic visualizations of massive data sets, it is a fundamental category of human activity that is essential to everyday interactions between people, resources, and environments.
To provide architects and designers with an effective starting point for creating satisfying and relevant user experiences that rely on discovery interactions, this session presents a simple analytical and generative toolkit for understanding how people conduct the broad range of discovery activities necessary in the information-permeated world.
Specifically, this session will present: • A simple, research-derived language for describing discovery needs and activities that spans domains, environments, media, and personas • Observed and reusable patterns of discovery activities in individual and collaborative settings • Examples of the architecture of successful discovery experiences at small and large scales • A vocabulary and perspective for discovery as a critical individual and organizational capability • Leading edge examples from the rapidly emerging space of applied discovery • Design futures and concepts exploring the possible evolution paths of discovery interactions
Designing Big Data Interactions Using the Language of DiscoveryJoe Lamantia
The oncoming tidal wave of Big Data, with its rapidly evolving ecosystem of multi-channel information saturated environments and services, brings profound challenges and opportunities for the design of effective user experiences that UX practitioners are just beginning to engage with in a meaningful fashion.
Looking deeper than the celebratory rhetoric of information quantity, at its core, Big Data makes possible unprecedented awareness and insight into every sphere of life; from business and politics, to the environment, arts and society. In this coming Age of Insight, 'discovery' is not only the purview of specialized Data Scientists who create exotic visualizations of massive data sets, it is a fundamental category of human activity that is essential to everyday interactions between people, resources, and environments.
To provide architects and designers with an effective starting point for creating satisfying and relevant user experiences that rely on discovery interactions, this session presents a simple analytical and generative toolkit for understanding how people conduct the broad range of discovery activities necessary in the information-permeated world.
Specifically, this session will present:
• A simple, research-derived language for describing discovery needs and activities that spans domains, environments, media, and personas
• Observed and reusable patterns of discovery activities in individual and collaborative settings
• Examples of the architecture of successful discovery experiences at small and large scales
• A vocabulary and perspective for discovery as a critical individual and organizational capability
• Leading edge examples from the rapidly emerging space of applied discovery
• Design futures and concepts exploring the possible evolution paths of discovery interactions
The Language of Discovery: Designing Big Data InteractionsJoe Lamantia
The Language of Discovery: A Grammar for Designing Big Data Interactions
The oncoming tidal wave of Big Data, with its rapidly evolving ecosystem of multi-channel information saturated environments and services, brings profound challenges and opportunities for the design of effective user experiences.
Looking deeper than the celebratory rhetoric of information quantity, at its core, Big Data makes possible unprecedented awareness and insight into every sphere of life; from business and politics, to the environment, arts and society. In this coming Age of Insight, 'discovery' is not only the purview of specialized Data Scientists who create exotic visualizations of massive data sets, it is a fundamental category of human activity that is essential to everyday interactions between people, resources, and environments.
To provide architects and designers with an effective starting point for creating satisfying and relevant user experiences that rely on discovery interactions, this session presents a simple analytical and generative toolkit for understanding how people conduct the broad range of discovery activities necessary in the information-permeated world.
Specifically, this session will present:
• A simple, research-derived language for describing discovery needs and activities that spans domains, environments, media, and personas
• Observed and reusable patterns of discovery activities in individual and collaborative settings
• Examples of the architecture of successful discovery experiences at small and large scales
• A vocabulary and perspective for discovery as a critical individual and organizational capability
• Leading edge examples from the rapidly emerging space of applied discovery
• Design futures and concepts exploring the possible evolution paths of discovery interactions
User Experience Architecture For Discovery ApplicationsJoe Lamantia
"How can you harness the power and flexibility of Latitude to create useful, usable, and compelling discovery applications for enterprise discovery workers? This session goes beyond the technology to explore how you can apply fundamental principles of information design and visualization, analytics best practices and user interface design patterns to compose effective and compelling discovery applications that optimize user discovery, success, engagement, & adoption."
Social Interaction Design For Augmented Reality: Patterns and Principles for ...Joe Lamantia
Augmented reality blends the real world and the Internet in real time, making many new kinds of proximity, context, and location based experiences possible for individuals and groups. Despite these many possibilities, we know from history that the long term value and impact of augmented reality for most people will depend on how well these experiences integrate with ordinary social settings, and support everyday interactions. Yet the interaction patterns and behavior we see in current AR experiences seem almost ‘anti-social’ by design. This is an important gap that design must close in order to create successful AR offerings. In other words, much like children going to school for the first time, AR must to learn to ‘play well with others’ to be valuable and successful. This presentation reviews the interaction design patterns common to augmented reality, suggests tools to help understand and improve the ’social maturity’ of AR products and applications, and shares design principles for creating genuinely social augmented experiences that integrate well with human social settings and interactions.
Understanding Frameworks: Beyond Findability IA Summit 2010Joe Lamantia
Design frameworks offer substantial benefits to all parties involved in creating high quality user experiences for products, services, digital media, and the emerging interaction spaces of augmented reality, ubiquitous computing, and cross-media. Frameworks allow designers to better adapt to the rapid shifts in the digital environment by leveraging increasing modularity, granularity, and structure, and accommodating the far-reaching changes inherent in the rise of co-creative dynamics. This presentation - part of a full-day workshop delivered at the 2009 & 2010 Information Architecture Summit - identifies the elements common to all design frameworks, and offers best practices on effectively putting frameworks into practice. Altogether, it is a short course in the creation and use of customized design frameworks.
Design Principles for Social Augmented Experiences: Next Wave of AR Panel | W...Joe Lamantia
Augmented reality is moving from the stage of technical experiment to social experiment as we augment social settings and interactions in the real world. Unfortunately, as it stands now, AR creates 'anti-social' interactions and experiences. This presentation shares 9 design principles for social augmented experiences that people will value.
Personal Finance On-line: New Models & OpportunitiesJoe Lamantia
Strategic review of emerging on-line personal finance offerings, based on changing consumer perceptions of the value and credibility of traditional finance service providers.
Considers social lending, micro-credit, and peer-to-peer lending, in combination with prediction markets, as a new personal finance ecosystem.
Explores service concepts and describes experience scenarios with the goal of finding opportunities for existing finance providers to engage with new models.
When designing for information retrieval experiences, the customer must always be right. This tutorial will give you the tools to uncover user needs and design the context for delivering information, whether that be through search, taxonomies or something entirely different.
What you will learn:
* A broadly applicable method for understanding user needs in diverse information access contexts
* A collection of information retrieval patterns relevant to multiple settings such as enterprise search and information access, service design, and product and platform management
We will also discuss the impact of organizational and cultural factors on design decisions and why it is essential, that you frame business and technology challenges in the right way.
The tutorial builds on lessons learned from a large customer project focusing on transforming user experience. The scope of this program included ~25 separate web-delivered products, a large document repository, integrated customer service and support processes, content management, taxonomy and ontology creation, and search and information retrieval solutions.
Joe will share the innovate methods and surprising insight that emerged in the process.
Social Media: Strategic Overview & Business ImplicationsJoe Lamantia
Agency POV and strategic overview of the business impact of new digital social channels on engaging with customers, branding, participation in the reputation economy. Considers commercial and enterprise domains, as well as the evolution of social media toward social busienss and models such as co-creation.
Sections:
Overview of Social Engagement and Business Implications
Examples of
Measuring the Social Landscape
Getting Started In the Conversation
Best Practices for Social Interactions
Digital Music Services (Strategic Review & Options)Joe Lamantia
Strategic review of digital music services market (with a focus on the mobile user). Competitor assessment, customer insights, mapping of product and experience ecosystems. Identifies opportunities for offering new services based on customer experiences. Reviews abbreviated portfolio of strategic options, and experience concepts.
Search Me: Designing Information Retrieval ExperiencesJoe Lamantia
This case study reviews the methods and insights that emerged from an 18-month effort to coordinate and enhance the scattered user experiences of a suite of information retrieval tools sold as services by an investment ratings agency. The session will share a method for understanding user needs in diverse information access contexts; review a collection of information retrieval patterns such as enterprise search and information access, service design, and product and platform management; and consider the impact of organizational and cultural factors on design decisions.
Massively Social Games: Next Generation ExperiencesJoe Lamantia
What form will the next generation of interactive experiences take? The exact nature of the future is always unknown. But now that everything is 'social', and games are a fully legitimate cultural phenomenon more profitable and more popular than Hollywood films, we can expect to see the emergence of experiences that combine aspects of games and social media in new ways.
One example of a hybrid experience that combines game elements and complex social interactions is the cross-media environment formed by the popular Killzone games and their companion site Killzone.com.
By design, the Killzone games and the Killzone.com site have co-evolved over time to interconnect on many levels. In the most recent version (planned for public release in early 2009), the game console and web site experiences work in concert to enhance gameplay with sophisticated social dynamics, and provide an active community destination that is 'synchronized' with events in the game in real time. The hybrid Killzone environment allows active game players and community members to move back and forth between game and web experiences, with simultaneous awareness of and connection to people and events in both settings.
Leading games researcher and designer Nicole Lazzaro calls these hybrid experiences 'Massively Social On-line Games'. In these types of interactive experiences, players build meaningful histories for individual characters and groups of all sizes through competitive and cooperative interactions that take place in the linked game and community contexts. Game mechanisms and social architecture elements are designed to encourage the accumulation of shared experiences, group identities, and collective histories. Over time, designers hope shared experiences will serve as the basis for a body of social memory.
Waves of Change Shaping Digital ExperiencesJoe Lamantia
The digital landscape is changing, shaped by waves of change in media, technology, identity, and the basic ways we evaluate our experiences. These are some of the major waves of change in digital experiences that may be leading us to a world of co-creation and exchange through interaction.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
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How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
2. Joe Lamantia
Involved in user experience / Internet since 1996
In 2000, became an entrepreneur and started my own company
Creator of the leading freely available tool for card sort analysis
Creator of the Building Blocks design framework for portals and user experiences
Currently based in New York - but enjoys Europe a great deal…
On the Web
JoeLamantia.com
Boxesandarrows.com
Tagsonomy.com
Email to joe (at) joelamantia.com
Where to get a good bowl of noodles
Your favorite kind of hot sauce
2
Italian IA Summit : 2007 Joe Lamantia
5. 7 Years Ago
functional requirements
content templates
site map
branding
card sort
style guide
content inventory
form design
wire frames
taxonomy / controlled vocabulary
navigation model
task flow
usability evaluation
category structure
personas
metadata
5
Italian IA Summit : 2007 Joe Lamantia
6. Traditional Model of Information Architecture
6
Italian IA Summit : 2007 Joe Lamantia
7. netNumina User Experience Development Process
Wireframes
Mental Model
Site Map
Content
Matrix
User Creative Brief
User
Personas Scenarios
User Needs
Matrix
Visual Design
Direction
Typography and Visual Design
User-centered final
Branding Options Options
Screen design
Business
Requirements
Document
Business
Requirements Functionality
Matrix
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Italian IA Summit : 2007 Joe Lamantia
11. Now
service design multivariate testing
brand resonance behavior analytics
emotional triggers enterprise architecture
design ethnography conceptual modeling
social metadata systems collaboration environments
ontology / semantic networks mobile experience
metadata repositories knowledge management
organizational culture rich internet
business transformation social media
information value chains innovation pipelines
scenario based visioning network mechanisms
enterprise 2.0 adoption
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Italian IA Summit : 2007 Joe Lamantia
12. And now...?
12
Italian IA Summit : 2007 Joe Lamantia
16. Integration = increased complexity
...experiential impact of design
...challenges for design(ers)
16
Italian IA Summit : 2007 Joe Lamantia
17. 2 Cycles
17
Italian IA Summit : 2007 Joe Lamantia
18. The Centralization Pendulum
Technologies oscillate from centralized to decentralized architectures
Centralized
Mainframe
Client-server
PC
Internet
De-centralized
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Italian IA Summit : 2007 Joe Lamantia
19. Permeability
Networks and systems are more or less permeable (open)
Permeable
Red Cross Volunteers
U.S. Supreme Court
Impermeable
Permeable: A substance, substrate, membrane or material that absorbs or allows the passage of water.
Permeable: A substance, substrate, membrane or material that absorbs or allows the passage of information.
http://en.wiktionary.org/wiki/permeable
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20. Permeable
From Wiktionary:
A substance, substrate, membrane or material that absorbs or allows the
passage of water.
A substance, substrate, membrane or material that absorbs or allows the
passage of information.
http://en.wiktionary.org/wiki/permeable
15
20
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21. Why does this matter?
21
Italian IA Summit : 2007 Joe Lamantia
22. New models = de-centralized, permeable
Centralized
FaceBook
Green Zone YouTube
in Baghdad Amazon
Permeable
Impermeable
Blogosphere
Virus
P2P
De-centralized
Sometimes both...
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24. Others?
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25. 3 Shifts
25
Italian IA Summit : 2007 Joe Lamantia
26. 3 shifts in culture show growing
technology permeation
26
Italian IA Summit : 2007 Joe Lamantia
27. quot;According to Moor, the computer revolution is occurring in two stages.
The first stage was that of quot;technological introductionquot; in which computer
technology was developed and refined. This already occurred in America
during the first forty years after the Second World War.
The second stage -- one that the industrialized world has only recently
entered -- is that of quot;technological permeationquot; in which technology gets
integrated into everyday human activities and into social institutions, changing
the very meaning of fundamental concepts, such as quot;moneyquot;, quot;educationquot;,
quot;workquot;, and quot;fair electionsquot;.
Computer Ethics
http://plato.stanford.edu/entries/ethics-computer/
27
Italian IA Summit : 2007 Joe Lamantia
28. Design decisions now affect more
people, in more ways.
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31. Product / Service + Social Elements
Identity
Presence
Relationships
Group Structures
Direct Communication
Membership Criteria
Lifecycles
Reputation
Tokens
Public speech
Arbitration / Negotiation
31
Italian IA Summit : 2007 Joe Lamantia
32. Network mechanisms amplify the
effects of design decisions to
include whole communities!
32
Italian IA Summit : 2007 Joe Lamantia
33. More than social networking
Diverse user groups
Self-defined user communities
Shifting user communities
Overlapping identities (personal / professional)
New group and community dynamics
Social memory
Social identity mechanisms
Reputation banking & influence trading
Cultural differences
Power distance indexes
Shifting organizational contexts
Knowledge markets
Tagging / folksonomies
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34. Unilateral is now multilateral
34
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35. 2. DIY (Do It Yourself) Shift
35
Italian IA Summit : 2007 Joe Lamantia
36. New economic and production models?
“Small Pieces Loosely Joined”
Lowered barriers to entry
Commoditized design and development
Empowered amateurs
Business designers
‘Shadow IT’
Free or low-cost tools and data sources
Open source
APIs
Web Services / SOA
Public data sets
Public infrastructure for mashups
Yahoo Pipes
Google Gadgets
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37. In DIY everyone designs / co-creates
37
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39. 3. Rise of the SPIME
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40. When Blobjects Rule the Earth
“Scenario: You buy a Spime with a credit
card. Your account info is embedded in the
transaction, including a special email
address set up for your Spimes.
After the purchase, a link is sent to you with
customer support, relevant product data,
history of ownership, geographies,
manufacturing origins, ingredients, recipes
for customization, and bluebook value.
The spime is able to update its data in your
database (via radio-frequency ID), to inform
you of required service calls, with appropriate
links to service centers.
This removes guesswork and streamlines
recycling.
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41. When Blobjects Rule the Earth
“So …you would be able to swiftly understand:
• where it was
• when you got it
• how much it cost
• who made it
• what it was made of
• where those resources came from
• what a better model looked like
• what a cheaper model looked like
• who to thank for making it
• who to complain to about its inadequacies
• what previous kinds of Spime used to look like
• why this Spime is better than earlier ones
what you could do to help that happen
• what people think the Spime of Tomorrow might look like
• the history of the Spime's ownership
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42. When Blobjects Rule the Earth
what it had been used for
where and when it was used
what other people who own this kind of Spime think about it
how other people more or less like you have altered or fancied-up or modified their Spime
• what most people use Spimes for
• the entire range of unorthodox uses of Spimes by the world's most extreme Spime geek fandom
• and how much your Spime is worth on an auction site
And especially -- absolutely critically -- where to get rid of it safely.”
SIGGRAPH, Los Angeles, August 2004
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43. Emerging SPIME ecology:
• RFID
• GIS / geo-location
• tagging
• white-label social networking
• smart objects
• ubiquitous connectivity
• PLM (Product Life Cycle Management)
New niche: Collective services
>> GetSatisfaction.com
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44. SPIMEs bridge physical and virtual worlds
“Mostly virtual, occasionally physical”
Physical manifestation
Temporal persistence
Real in all worlds at the same time
Geolocatable
Semantically interconnected
Tied to deep pools of collective metadata
Findable
Full lifecycle awareness
Must be sustainable / green
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45. Virtual experiences now affect the
physical realm, and vice versa.
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59. Designing Web Applications for Use
By Larry Constantine, Constantine & Lockwood, Ltd. - Dec 11, 2006
“A third problem with users is that there are so many of them. And they are all
different. They want different things and like different things and react
differently.
I have watched teams run in circles as they redesign for each new user who
gives them feedback on a paper prototype or each new group passing through
the usability lab.
The genuine diversity of real people can distract designers from the
commonality of their needs and interests.”
http://www.uie.com/articles/designing_web_applications_for_use/
59
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60. Does the integrated experience
mean design must resolve new
kinds of conflict?
60
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63. New dimensions = new conflicts
63
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64. Integration = many new conflicts
64
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65. Possible conflicts in integrated experience
Name and Branding Open / Closed Architecture
Privacy Language
Cultural Concepts
Function
Ownership and rights
Interaction
Pace and delivery
Materials and makeup
Lifecycle
Time place of use
Emotion
Mental Model
Identity
Ecological Impact
Confidentiality
Shipping, storage, and handling
Legality
Energy Consumption
Symbolic value / role
Price
Transparency
Information Needs
Meaning
Labeling & terminology
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66. The New Designer / Architect
66
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67. business savvy
technologically capable
skilled analyst & visualizer
narrative communicator
holistic thinker
strategic innovator
customer empath
tool maker
mediator
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68. business modeling
financial analysis
technologically selection
organizational network analysis
change management
business anthropology
knowledge management
industrial design
systems analysis
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69. and ?
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71. Current design approaches do not
adequately address conflict.
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72. Many frameworks, theories, methods...
Elements of Experience
Emotional Design
Forces of User Experience
Experience Design
Design Maturity Model
Making Meaning
User Centered Design
User Experience Honeycomb
User Centric Design
Contextual Design
Activity Centered Design
Participatory Design
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73. What can we do?
73
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74. Treat conflict as a natural element of context
Conflict = “new layer” of context
Advantages
Use existing design tools and methods
No disruption to stakeholder models
No new artifacts or deliverables
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75. How to address conflict as context?
Adapt common design methods and tools
Include conflict as a subject from the start
Address conflicts as they arise
Insist on resolution
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76. 4 Step process to resolve ethical conflicts
1. Discover
2. Understand
3. Communicate
4. Resolve
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77. Address conflict throughout the design cycle.
“Bake it in…”
User Roles +
Interviews &
User Needs Personas Scenarios
Findings
= Matrix
Search for Relevant Research
Learn about Client.com
Surveyor View Latest Research
Evaluate New Product
Understand Methodology
Monitor Portfolio
Track 1:
Researching Complex Topic
Information
Respond to Customer Call
Retrieval
Evaluate/Rate New Issue
Monitor credit risk over time
Learn about Client.com
Understand the rating agency
Track 2: Identify and compare entities
Unified Service
Access ratings, research & opinion
Delivery
Perform customer service
Perform credit risk analysis
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78. Vision Themes
‘Talking points’ for design vision
Allow stakeholders to communicate shared
vision
How To Address Conflict:
Prioritize themes for importance to vision
Treat conflicting themes as optional
Require unanimous vote to include themes
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79. Stakeholder / Business Goals
Defined as part of vision phase
Translate business needs into aspects and capabilities
of solution
How To Address Conflict:
Track active disagreements in documentation
Map relationships between conflicting items
Use Delphi process to resolve
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80. Map conflicts to business strategy and goals
Barriers to Product Adoption
Data & Employees
Limited integration of data and features
Analytics Lack of common user experience
Data & Analytics Markets
Quantitative Users
Barriers to Ratings and Research
Xyz Ratings & Expansion Adjacent Markets
Research Equity Investors, Hedge Fund Managers
Ineffective Basic & Advanced Search
Limited related research navigation
Traditional Markets
Issuers, Intermediaries & Fixed
Barriers to Emerging Market Income Investors
Development
Global
Numerous barriers to getting basic information
Expansion Emerging Markets
Lack of integration between the main website and New Issuers, Intermediaries, & Investors
local content
Non-Client Users
Barriers to Value Perception
Maintain
Co
Shareholders, Regulators, Recruits
Inconsistent research content & Journalists
Integrity & Sub-standard user experience
Reputation
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81. Personas
Describes types of user / customer / person
How To Address Conflict:
Flag personas associated with conflicts
Enumerate any singular features / functions
Map persona landscape to show relationships
and conflicts with other personas
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82. Identify conflicts relevant to individual personas
Chen Xiang Surveyor: Emerging Market Development >
Corporate User
Investment Banker, Shanghai, China Subsidiary Seeker
“I’m looking for a ratings agency I can partner with.”
General Description Critical User Needs
Learn about Client.com and their operations in China
Chen is a recent graduate and a new employee of the
Bank of China. In his role as an investment banker he Select the agency he feels will be best for his clients
will be helping to structure debt offerings and sell them
in China’s emerging capital markets. He knows that a
Key Job Functions
respected and authoritative third party assessment of
Assist corporations in raising funds in China’s emerging capital
the debt will increase its liquidity and improve its price
markets
in the marketplace.
Provides strategic advisory services for mergers, acquisitions
As such he is working to assess the relative
and other types of corporate financial transactions
advantages and disadvantages of using the emerging
local ratings agencies versus the internationally
Conflicts and Opportunities
established agencies such as Client.com. He is looking
to find the highest levels of transparency, so that he
Highlight the breadth and depth of information offered in each
can be confident in whom he chooses to work with
country / region
moving forward.
Support localization, allowing content, search parameters,
currency, reference indices, and formatting styles to be
By gaining Chen as a client, Client.com would likely
targeted to user’s preferred region and language
gain the issuers he’ll eventually bring to market.
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83. Goals and Needs Matrices
Itemizes goals and needs by type of user
How To Address Conflict:
Identify specific instances of conflict between
groups or goals
Score conflicts on a heat scale to highlight
trouble spots
Total the conflicts associate with each goal and
user type to prioritize resolution efforts
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84. Functional Requirements
Synthesize findings of discovery activities for
business, user and system perspectives
How To Address Conflict:
Cross-reference conflicting requirements by
owner / sponsor
‘Narrow the funnel’: reduce # of allowed
conflicts at each review / revision
Auction limited set of conflict slots
Owners can bid’ on requirements with fixed
number of points
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85. Scenarios
Scenarios should narrate aspects of the user
experience and vision
How To Address Conflict:
Label scenarios that contain internal conflicts
Cross reference scenarios that conflict with
one another
Identify which personas agree with / conflict
with each scenario
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86. Share the experience of conflict via scenarios
A poor user experience lowers perceptions of services and offerings
!
! ! !
Detail page contains Related Research tab shows Research is split across a Goes to competitor’s site
assorted links and tabs; a seemingly random list number of ill-defined doc first, because competitor’s
content not on one page of assorted documents types, published at site is easier to use
different times
86
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87. Share the experience of conflict via scenarios
A poor user experience lowers perceptions of services and offerings
Example Scenario: View Latest Research
Ratings
Advisory
!
! ! !
Detail page contains Related Research tab shows Research is split across a Goes to competitor’s site
assorted links and tabs; a seemingly random list number of ill-defined doc first, because competitor’s
content not on one page of assorted documents types, published at site is easier to use
different times
“I’ll go to (a competitor’s site) first, then I’ll go to (the company’s) if I have the time…”
— Director, Global Ratings Advisory
86
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88. Share the experience of conflict via scenarios
A poor user experience lowers perceptions of services and offerings
Example Scenario: View Latest Research
Ratings
Advisory
!
! ! !
Detail page contains Related Research tab shows Research is split across a Goes to competitor’s site
assorted links and tabs; a seemingly random list number of ill-defined doc first, because competitor’s
content not on one page of assorted documents types, published at site is easier to use
different times
“I’ll go to (a competitor’s site) first, then I’ll go to (the company’s) if I have the time…”
— Director, Global Ratings Advisory
User Conflicts
Business Conflicts
Research content is inconsistent
Hampers deepening of relationships
Related research functions are ineffective
with established clients
Sites are difficult for users to understand
Detracts from the company’s reputation as
and navigate
an authoritative source of high quality info
86
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89. Concept Maps
Define key conceptual objects and map
relationships
How To Address Conflict:
Begin with simplified single view
Create additional views to reflect conflicting
understandings
Document conflicts via color and annotation
layers
List contested objects / concepts
Require resolution for signoff
Use mapping tool that can track and show
dependencies in relationships
87
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90. Site Maps
Summarizes structure and flow through information
space / environment
How To Address Conflict:
Compare / contrast conflicting high-level structures
Build modularly, highlight areas of conflict
Document conflicts in navigation model separately
Flag conflicts in content structure and detailed IA
discussed in other artifacts - topic maps, taxonomies,
etc.
Cross-reference to alternative functional interactions
and flows (use cases and process flows)
88
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91. Wire Frames
Schematics capture function, layout, interaction
How To Address Conflict:
Identify screen components affected by conflict
Cross-reference to conflicting personas / scenarios
89
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92. Use Cases
Document behavior of system and actors
How To Address Conflict:
Write use cases for all understandings
Cross-reference alternate / conflicting use cases
90
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94. platforms and frameworks
networks
(social, conceptual, ??)
processes and services
(public, private)
games and self-teaching systems
physical and emotional environments
communities
systems
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