Insights curated by Experientia, the UX research and design consultancy
Insights curated by Experientia, the UX research and design consultancy
Wells Fargo, the world’s most valuable bank, learned to innovate around the customer. In 1999, Steve Ellis, who runs the bank’s wholesale services group, went to a conference where Scott McNealy of Sun Microsystems described a completely new era of…
In its new Focus Note, Applying Behavioral Insights in Consumer Protection Policy, CGAP (a unit affiliated with the Worldbank) presents a summary of the growing evidence from consumer and behavioral research for consumer protection policy on four topics—disclosure and transparency;…
Only a few years ago, the corporate view of retirement planning at San Francisco-based Wells Fargo Bank tended to focus on dollars and cents — how much an individual needed to invest, by when and for how many years,†write…
Alexandra Fiorillo, Principal of GRID Impact, writes that if we want to achieve full financial inclusion, we cannot simply offer more financial products and services to more people and hope they need, want, like, and use them. Instead, she writes,…
Keith Hart is Professor of Economic Anthropology at the London School of Economics and Political Science and Professor Emeritus of Anthropology at Goldsmith’s, University of London. He has contributed to the concept of the informal economy to development studies and…
Mario Campana (@mariocampana), a PhD student at City University London’s Cass Business School, researches the growing trend of local currencies – of which there are currently over 3000 around the world. He recently presented at EPIC, where in a Pecha…
The past decade has brought enormous and growing benefits to ordinary citizens through applications built on public data. Any release of data offers advantages to experts, such as developers and journalists, but there is a crucial common factor in the…
Designing Customer-Centric Branchless Banking Offerings Claudia McKay, Yanina Seltzer The Consultative Group to Assist the Poor (CGAP) 20 December 2013 pdf, iBook, Kindle Branchless banking services have taken on a significant challenge: developing new channels through which to provide financial…
Experientia’s innovative ATM interface for UniCredit Bank has started to roll out across ATMs in Italy, and UniCredit has created a video to showcase some of the features. Experientia’s interface design reinvents the ATM interface – making it easier to…
The user-centred approach is moving into finance, as banks increasingly connect to their customers’ needs and wants. As part of this trend, global banking and financial services company UniCredit Bank collaborated with user experience consultancy, Experientia, to create a user-friendly, people-centred…
Le banche stanno cercando sempre più di entrare in sintonia con le esigenze ed i desideri dei propri clienti, innovando i propri prodotti e servizi secondo una approccio centrato sull’utente. Per dare concretezza a questo principio, UniCredit ha deciso di…
Hannes Van Rensburg, founder and CEO of Fundamo, a VISA company based in South Africa, writes that there is enough research on empowering women with Mobile Money to support further investments. The industry have made big gains getting to understand…
CGAP (a World Bank affiliated but independent policy and research center dedicated to advancing financial access for the world’s poor) has partnered with Janalakshmi Financial Services, one of India’s largest urban microfinance institutions to implement customer centricity in providing financial…
What are people’s philosophy and attitudes toward loans and debt? And how financial marketers can respond to their basic emotional needs in the lending process? Americans have a complicated relationship with debt, one that defies easy analysis. That’s why a…
The Consultative Group to Assist the Poor (CGAP) is an independent policy and research center, affiliated with the World Bank, dedicated to advancing financial access for the world’s poor. Their next five-year strategic direction lays out five priority themes, desired…
Social networks of mobile money in Kenya Sibel Kusimba, Harpieth Chaggar, Elizabeth Gross, & Gabriel Kunyu Institute for Money, Technology and Financial Inclusion University of California, Irvine With mobile money technologies, people use mobile phones to send money to friends…
Tilman Ehrbeck, CEO of CGAP (the Consultative Group to Assist the Poor, affiliated with the Worldbank), writes about how his organization has used human-centered design recently to generate demand-side insights and design innovative products that work better for low-income households.…
Scott Smith of futures research lab Changeist writes in Quartz about the long history of alternative currencies, and criticizes Bitcoin because “they set too high a bar for the average person”: “There have been various alternative currencies kicking around developed…
Chris Brooker recently ran the Service Design for Innovative Banking workshop at the World Usability Day conference in Silesia, Poland, during which he explored how service design techniques can produce unique service ideas for the rapidly evolving banking sector. Brooker…
Spanish institutions are in no shape to help struggling Spaniards, so they’re turning to alternative banks and ways of exchanging goods to get by, reports Andrés Cala in the Christian Science Monitor. “The quest for economic alternatives has picked up…