The document summarizes a presentation about designing a new banking experience after the financial crisis. It discusses how trust in banks declined but can be rebuilt by increasing transparency, empowering customers, and financing eco-friendly businesses. The concept presented is a sustainable bank that operates an online platform allowing clients to directly invest their savings in green projects they select. A scenario shows how this could help a customer address her concern about her local bank financing an oil spill polluting her hometown coast.

1. THE NEW BANK
EXPERIENCE
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010|
Design Management Master’s course 2010

2. So what
after
financial
crisis?
“The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

3. “The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

4. “The new bank experience” - Master in Design Management
|
1970’s - 40%
before crisis - 30%
after crisis - 5%
Source:
www.georgewashington2.blogspot.com
People not trusting banks
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

5. “The new bank experience” - Master in Design Management
|
Banks not trusting people
Source:
The Spanish Ministry of Housing, Spanish Property Insight
mortgage 2007
€30 bn
€13 bn
mortgage 2009
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

6. “The new bank experience” - Master in Design Management
|
Rescuing TrustRescuing Trust
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

7. “The new bank experience” - Master in Design Management
|
Confidence
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
Trust

8. “The new bank experience” - Master in Design Management
|
Antoni Bargallo
Director of Caixa Catalunya
“I have attended
families for four
generations, I have
become friends of my
clients. I give them
confidence.”
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

9. “The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
Transparency
Trust

10. “The new bank experience” - Master in Design Management
|
People rarely know what the bank does with
“their” money
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

11. “The new bank experience” - Master in Design Management
|
1Ethical Bank GLS
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
B e n c h m a r k

12. “The new bank experience” - Master in Design Management
|
Source: GSL Bank Annual Report 2009
HOW?
“Value added from the customer’s point of view”
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

13. “The new bank experience” - Master in Design Management
|
GLS total assets
increased by
27% in 2008 after
financial crisis
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
Source: GSL Bank Annual Report 2009

14. “The new bank experience” - Master in Design Management
|
2Fundraising platform Kickstarter
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
B e n c h m a r k

15. Dream-Friendly House
creation of site-specific performance in Seattle dance studio
“The new bank experience” - Master in Design Management
|
Source: www.kickstarter.com
“Keep pushing folks she’ll use the funds well” - Backer
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

16. “The new bank experience” - Master in Design Management
|
Summary of our research
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

17. “The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
Informing, engaging
and empowering
the clients on
strengthens their trust
and confidence on
the banks.
“where their money goes”

18. “The new bank experience” - Master in Design Management
|
Transparency
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

19. “The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
25 - 50 years old
Environmental friendly mindset
Supporting sustainable businesses
Looking for added values other
than money reward
Market segmentation

20. “The new bank experience” - Master in Design Management
|
Persona
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

21. 30 year old, Single
From Galicia
Share a flat in Grácia
Monthly net income €1,600
from teaching
Persona
Nuria
“The new bank experience” - Master in Design Management
|
“To save our
planet is to save
our future”
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

22. “The new bank experience” - Master in Design Management
|
Actorsd
a
Grandmother
2 Brothers
Mother
Nuria’s family has a fish
shop in Galicia.
Nuria
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

23. “The new bank experience” - Master in Design Management
|
Actorsd
a
University
Nuria
Grandmother
2 Brothers
Mother
She teaches biology at
University of Barcelona
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

24. “The new bank experience” - Master in Design Management
|
Actorsd
a
Nuria
Playas Limpias
Grandmother
2 Brothers
Mother
In her free time she
does volunteer work
with “Playas Limpias”.
University
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

25. “The new bank experience” - Master in Design Management
|
Actorsd
a
Nuria
Playas Limpias
Diving
Grandmother
2 Brothers
Mother
She loves diving.
Sometimes she goes
diving with other
volunteers from “Playas
Limpias”
University
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

26. Foundation
“The new bank experience” - Master in Design Management
|
Actorsd
a
University
Students
Nuria
Grandmother
2 Brothers
Mother
Playas Limpias
Diving
University
She donates money on
a monthly basis to a
foundation supporting
nature conservation
and environmental
projects
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

27. “The new bank experience” - Master in Design Management
|
Actorsd
a
University
Students
Best friend
Nuria
Grandmother
2 Brothers
Mother
Foundation
Playas Limpias
Diving
Her best friend is a
volunteer of the
foundation Nuria
donates money to.
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

28. “The new bank experience” - Master in Design Management
|
Actorsd
a
Flatmate
Local stores
Nuria
Grandmother
2 Brothers
Mother
Playas Limpias
Diving
University
Best friend
Foundation
Nuria and her flatmate
shops in the same local
stores. She likes to chat
with the store owners.
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

29. “The new bank experience” - Master in Design Management
|
Actorsd
a
Flatmate
Local stores
Nuria
Grandmother
2 Brothers
Mother
University
Best friend
Playas Limpias
Diving
Foundation
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

30. “The new bank experience” - Master in Design Management
|
Mood Board
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

31. €400
€150
Rent
Eat out
Vacation budget
€250Savings
Scooter - gas
€50
Foundation
€25
Pension
€40
“The new bank experience” - Master in Design Management
€1,600Total income
Others
€70
Expenses
|
€250 Shopping €215
Diving
€150
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

32. €400
€150
Rent
Eat out
Vacation budget
€250Savings
Scooter - gas
€50
Foundation
€25
Pension
€40
“The new bank experience” - Master in Design Management
€1,600Total income
Others
€70
Expenses
|
€250 Shopping €215
Diving
€150
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

33. €400
€150
Rent
Eat out
Vacation budget
€250Savings
Scooter - gas
€50
Foundation
€25
Pension
€40
“The new bank experience” - Master in Design Management
€1,600Total income
Others
€70
Expenses
|
€250 Shopping €215
Diving
€150
Doesn’t know where to put her
money for good use
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

34. €400
€150
Rent
Eat out
Vacation budget
€250Savings
Scooter - gas
€50
Foundation
€25
Pension
€40
“The new bank experience” - Master in Design Management
€1,600Total income
Others
€70
Expenses
|
€250 Shopping €215
Diving
€150 Has an ecological lifestyle
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

35. €400
€150
Rent
Eat out
Vacation budget
€250Savings
Scooter - gas
€50
Foundation
€25
Pension
€40
“The new bank experience” - Master in Design Management
€1,600Total income
Others
€70
Expenses
|
€250 Shopping €215
Diving
€150
Supports nature conservation
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

36. “The new bank experience” - Master in Design Management
|
Nuria’s Needs
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

37. “The new bank experience” - Master in Design Management
|
1
Be a
social
influencer
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

38. “The new bank experience” - Master in Design Management
|
2 Live a sustainable life
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

39. “The new bank experience” - Master in Design Management
|
3
Put her
savings
in good
use
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

40. “The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
Have her
money
under own
control
4

41. “The new bank experience” - Master in Design Management
|
Opportunities
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

42. “The new bank experience” - Master in Design Management
|
Empower
customer
in investment
decision
1
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

43. “The new bank experience” - Master in Design Management
|
Eco-businesses2
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

44. “The new bank experience” - Master in Design Management
|
Concept
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

45. “The new bank experience” - Master in Design Management
|
d
a
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
Sustainable oriented bank financing only eco-projects.
Offering clients the opportunity to choose from a
platform which projects to finance or invest in.

46. “The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

47. “The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

48. “The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

49. “The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
Platform

50. “The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
Platform

51. “The new bank experience” - Master in Design Management
| Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
Platform

52. “The new bank experience” - Master in Design Management
|
d
a
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

53. “The new bank experience” - Master in Design Management
|
d
a
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

54. “The new bank experience” - Master in Design Management
|
Build
the
Mutual
Trust
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

55. “The new bank experience” - Master in Design Management
|
Scenario
N u r i a m e e t s
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

56. Leaked oil polluting Galician coast
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

57. Leaked oil polluting Galician coast
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

58. NOOO...
MY HOMETOWN
Leaked oil polluting Galician coast
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

59. WHAT A NATURAL
DISASTER
Leaked oil polluting Galician coast
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

60. Leaked oil polluting Galician coast
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

61. LET’S JOIN THE
PROTEST
Leaked oil polluting Galician coast
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

62. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

63. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

64. DID YOU KNOW
YOUR BANK
IS FINANCING THIS
OIL BUSINESS
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

65. NO WAY...
WITH MY MONEY
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

66. I WANT TO PUT
MY MONEY
SOMEWHERE ELSE
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

67. CHECK OUT:
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

68. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

69. I HEARD YOUR
BUSINESS
IS FINANCED BY:
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

70. YES... THE BANK
SPECIALIZES IN
FINANCING ECO-FRIENDLY
BUSINESSES
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

71. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

72. HAVE YOU
HEARD ABOUT
?
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

73. YES! I INVESTED
IN TWO OF THEIR
ECO-PROJECTS
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

74. THAT IS GREAT!
THAT IS EXACTLY WHAT
I AM LOOKING FOR
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

75. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

76. THANKS FOR
YOUR DEPOSIT
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

77. NOW YOU CAN GO
ONLINE TO CHOOSE YOUR
OWN INVESTMENTS
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

78. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

79. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

80. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

81. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010
Green roof cafe

82. 8 MONTHS LATER...
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

83. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

84. I INVESTED IN THIS ECO
GREEN ROOF CAFE THOUGH
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

85. REALLY!!!
HOW DO YOU KNOW
IT IS ECO-FRIENDLY ?
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

86. IS MEMBER
OF THE GLOBAL ALLIANCE OF
ETHICAL BANKS.
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

87. ALSO, THEIR
PROJECTS ARE ENDORSED
BY “ “ AND HAVE
ECO-CERTIFICATIONS.
“The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

88. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

89. “The new bank experience” - Master in Design Management
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010

90. “The new bank experience” - Master in Design Management
|
Thank You
Cintia Gil | Valentino Heong | Yi-Ling Lin | Final presentation | 26 July 2010