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The New Bank Experience - Design Management Master - IED Barcelona 2010
Think
different
Bank
different
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Time is Gold
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
People aim to optimize their time
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
customize
multitask
delegate
alternative solutions
How do people optimize time?
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Banks manage
gold
Banks manage
time
=
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
A bank’s main touch points
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Physical banking
Traditional Approach
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Today’s Approach
physical
banking
online
banking
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Global
Trends
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
social micropayment
Blogger
Musician
Reader
Viewer
Listener
Viewer
Listener
Film Maker
$
$ $
$
Generosity
Artist
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Think Tank
an organization that
conducts research and
engages in advocacy
The New Bank Experience - Design Management Master - IED Barcelona 2010
Sharing
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Do it Yourself
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
“
”
Today we share information, our life
stories, our thoughts and opinions, and
crucially, our ideas.
This has created a society populated by
those who operate like this every day
of their lives.
The New Bank Experience - Design Management Master - IED Barcelona 2010
- WGSN 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
• Time is gold
• Buying time
• Sharing & generosity
• Alternative methods (substitution)
Main
Drivers
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
more “pull”
The New Bank Experience - Design Management Master - IED Barcelona 2010
less “push”
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Banks should offer seminars,
business tips and mentoring
for their business clients.
The New Bank Experience - Design Management Master - IED Barcelona 2010
”
“
-Freelancer, Barcelona
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Persona
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria Sanchez
Owns her own consultancy
company with 3 other
partners.
Teaches a masters course
part-time.
Ambitious, career focused,
adventurous, environmentally
and socially aware.
‣ Age: 36 years old
‣ Sex: Woman
‣ Nationality: Catalan
‣ Resident: Barcelona
‣ Education:
- Industrial design [Escola Superior de Disseny, Elisava]
- MBA Strategic Management [USA]
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s Mindset
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s
Actors
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
International
Network
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s actors
Network
Events
Business
Partners
Personal
Lawyer
Clients Account
Online
Banking
Think Tank
Catalan
Network
International
Network
Financial
Advisor
1
2
3
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Online
Banking
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s
Extreme
Monday
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
24:00
06:00
03:00
12:00
18:00
09:0015:00
21:00
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s extreme monday
)))))
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
24:00
06:00
03:00
12:00
18:00
09:0015:00
21:00
)))))
Maria loses majority of her time
traveling between meetings.
She looks to optimize her time
in other aspects.
The New Bank Experience - Design Management Master - IED Barcelona 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Where Maria wastes time
24:00
06:00
03:00
12:00
18:00
09:0015:00
21:00
)))))
Maria is adaptable to different
working environments.
She is often working in a range
of spaces with a range of
platforms.
Maria’s productive places
The New Bank Experience - Design Management Master - IED Barcelona 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s
Typical
Saturday
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
24:00
06:00
03:00
12:00
18:00
09:0015:00
21:00
Maria’s typical saturday
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
24:00
06:00
03:00
12:00
18:00
09:0015:00
21:00
Maria’s typical saturday
Maria meets two new
contacts (networking event)
for lunch in the center of city.
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Where professional meets personal
Blurry lines
It’s not what you know,
it’s who you know
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Business &pleasure
The New Bank Experience - Design Management Master - IED Barcelona 2010
“I need more
time...more time
to work...”
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s
Monthly
Cash Flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Total Income
€ 4.600
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Rent €1.200
1st - 5th / monthly
La Caixa|Cash/Transfer
€ 3.400
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Bank Loan €900
6th - 10th / monthly
Santander|Auto-Transfer
€ 2.500
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
€ 1.950
Bills/Utilities €550
6th - 15th / monthly
Caixa Catalynua, La Caixa|
Auto-Transfer, Cash
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
€ 1.290
Fitness club €170 La Caixa|Auto Transfer
Gas/Insurance €330 Online Transfer
Cleaning €160 Cash
20th - 25th / Monthly
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
€ 1.050
Market €240
30th / Monthly
Sabadell|Debit Card/Cash
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
€ 800
Retirement €250
30th / monthly
Online Bank Transfer
Maria’s monthly cash flow
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria’s monthly cash flow
€ 800
At the end of the month,
Maria is left with
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Maria
Needs...
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Diversity|network
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Flexibility|time
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Organization|simplicity
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Opportunity
Space
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Use a bank
anytime for
anything
Network
experience
Loan
time
Use
another
currency
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Loan
Time
Use Another
Currency
Use A Bank
Anytime For
Anything
Network
Experience
more time
benefit education
time
knowledge
loyalty
increase interest
cultural space
Community
Share
knowledge
Guidance
Experience
Connecting
people
Advice
Pitch
ideas
Access to
contacts
Contacts
Opportunity
Space
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Concept
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
BanConnect enables entrepreneurs, business
owners and freelancers to select, network
and realize their projects using the bank’s
existing infrastructure.
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010
The goal is to create business
partnerships and connections that
result in successful ventures and
projects coming to life.
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1
Needs:
- Time
- Competence
MARIA
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1
Needs:
- Time
- Competence
MARIA Bank converts:
Needs > Opportunities
Contact Bank
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1
Needs:
- Time
- Competence
MARIA Bank converts:
Needs > Opportunities
Freelancer
Business
Owner
Contact Bank
Opportunities =
New Currency
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1
Needs:
- Time
- Competence
MARIA
Contact Bank
Bank converts:
Needs > Opportunities
Opportunities =
New Currency
Freelancer
Business
Owner
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1
Needs:
- Time
- Competence
MARIA
Contact Bank
Bank converts:
Needs > Opportunities
Opportunities =
New Currency
Freelancer
Business
Owner
Information, Contacts,
Time, Competence
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1
Needs:
- Time
- Competence
MARIA
Contact Bank
Bank converts:
Needs > Opportunities
Opportunities =
New Currency
Freelancer
Business
Owner
Information & Contacts
= Business for the Banks
Commission
New clients
Customer Loyalty
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Benefits
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2
MARIA
Needs:
- Time
- Financing
- Skills
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2
MARIA
Idea + Needs/
Opportunities
Needs:
- Time
- Financing
- Skills
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2
MARIA
Idea + Needs/
Opportunities
Business
Owner
Freelancer
Opportunity Currency
Needs:
- Time
- Financing
- Skills
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2
MARIA
Needs:
- Time
- Financing
- Skills
Idea + Needs/
Opportunities
Business
Owner
Freelancer
Can Provide:
- Financing/Investment
- Knowledge/ Skill
Opportunity Currency
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2
MARIA
Needs:
- Time
- Financing
- Skills
Idea + Needs/
Opportunities
Business
Owner
Freelancer
Can Provide:
- Financing/Investment
- Knowledge/ Skill
Opportunity Currency
Investment in
manpower, time
and money
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2
MARIA
Needs:
- Time
- Financing
- Skills
Idea + Needs/
Opportunities
Business
Owner
Freelancer
Can Provide:
- Financing/Investment
- Knowledge/ Skill
Bank Supplies Contacts
=
Commission for the Banks
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Benefits
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems:
- Monetary (Can’t pay mortgage)
- Lack of Competence Etc.
Business
Owner
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems:
- Monetary (Can’t pay mortgage)
- Lack of Competence Etc.
Business
Owner
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems:
- Monetary (Can’t pay mortgage)
- Lack of Competence Etc.
Business
Owner
Bank present opportunity
(problem) to suitable investors
Business
Owner
Freelancer
MARIA
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems:
- Monetary (Can’t pay mortgage)
- Lack of Competence Etc.
Business
Owner
Bank present opportunity
(problem) to suitable investors
Business
Owner
Freelancer
MARIA
MARIA
Business
Owner
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems:
- Monetary (Can’t pay mortgage)
- Lack of Competence Etc.
Business
Owner
Bank present opportunity
(problem) to suitable investors
Business
Owner
Freelancer
MARIA
Becomes stakeholders /
Investors in the struggling company
MARIA
Business
Owner
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3
Company with problems:
- Monetary (Can’t pay mortgage)
- Lack of Competence Etc.
Business
Owner
Bank present opportunity
(problem) to suitable investors
Business
Owner
Freelancer
MARIA
Becomes stakeholders /
Investors in the struggling company
MARIA
Business
Owner
Bank receives mortgage
payments again
Avoid business takeover
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Benefits
The New Bank Experience - Design Management Master - IED Barcelona 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Scenario
The New Bank Experience - Design Management Master - IED Barcelona 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
Please check the:
Thank you.
The New Bank Experience - Design Management Master - IED Barcelona 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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New Bank Experience Think Tank Report

  • 1. The New Bank Experience - Design Management Master - IED Barcelona 2010 Think different Bank different Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 2. The New Bank Experience - Design Management Master - IED Barcelona 2010 Time is Gold Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 3. The New Bank Experience - Design Management Master - IED Barcelona 2010 People aim to optimize their time Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 4. The New Bank Experience - Design Management Master - IED Barcelona 2010 customize multitask delegate alternative solutions How do people optimize time? Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 5. The New Bank Experience - Design Management Master - IED Barcelona 2010 Banks manage gold Banks manage time = Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 6. The New Bank Experience - Design Management Master - IED Barcelona 2010 A bank’s main touch points Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 7. The New Bank Experience - Design Management Master - IED Barcelona 2010 Physical banking Traditional Approach Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 8. The New Bank Experience - Design Management Master - IED Barcelona 2010 Today’s Approach physical banking online banking Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 9. The New Bank Experience - Design Management Master - IED Barcelona 2010 Global Trends Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 10. The New Bank Experience - Design Management Master - IED Barcelona 2010 social micropayment Blogger Musician Reader Viewer Listener Viewer Listener Film Maker $ $ $ $ Generosity Artist Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 11. Think Tank an organization that conducts research and engages in advocacy The New Bank Experience - Design Management Master - IED Barcelona 2010 Sharing Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 12. The New Bank Experience - Design Management Master - IED Barcelona 2010 Do it Yourself Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 13. “ ” Today we share information, our life stories, our thoughts and opinions, and crucially, our ideas. This has created a society populated by those who operate like this every day of their lives. The New Bank Experience - Design Management Master - IED Barcelona 2010 - WGSN 2010 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 14. The New Bank Experience - Design Management Master - IED Barcelona 2010 • Time is gold • Buying time • Sharing & generosity • Alternative methods (substitution) Main Drivers Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 15. more “pull” The New Bank Experience - Design Management Master - IED Barcelona 2010 less “push” Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 16. Banks should offer seminars, business tips and mentoring for their business clients. The New Bank Experience - Design Management Master - IED Barcelona 2010 ” “ -Freelancer, Barcelona Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 17. The New Bank Experience - Design Management Master - IED Barcelona 2010 Persona Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 18. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria Sanchez Owns her own consultancy company with 3 other partners. Teaches a masters course part-time. Ambitious, career focused, adventurous, environmentally and socially aware. ‣ Age: 36 years old ‣ Sex: Woman ‣ Nationality: Catalan ‣ Resident: Barcelona ‣ Education: - Industrial design [Escola Superior de Disseny, Elisava] - MBA Strategic Management [USA] Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 19. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s Mindset Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 20. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s Actors Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 21. International Network The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s actors Network Events Business Partners Personal Lawyer Clients Account Online Banking Think Tank Catalan Network International Network Financial Advisor 1 2 3 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010 Online Banking
  • 22. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s Extreme Monday Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 23. 24:00 06:00 03:00 12:00 18:00 09:0015:00 21:00 The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s extreme monday ))))) Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 24. 24:00 06:00 03:00 12:00 18:00 09:0015:00 21:00 ))))) Maria loses majority of her time traveling between meetings. She looks to optimize her time in other aspects. The New Bank Experience - Design Management Master - IED Barcelona 2010 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010 Where Maria wastes time
  • 25. 24:00 06:00 03:00 12:00 18:00 09:0015:00 21:00 ))))) Maria is adaptable to different working environments. She is often working in a range of spaces with a range of platforms. Maria’s productive places The New Bank Experience - Design Management Master - IED Barcelona 2010 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 26. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s Typical Saturday Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 27. The New Bank Experience - Design Management Master - IED Barcelona 2010 24:00 06:00 03:00 12:00 18:00 09:0015:00 21:00 Maria’s typical saturday Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 28. The New Bank Experience - Design Management Master - IED Barcelona 2010 24:00 06:00 03:00 12:00 18:00 09:0015:00 21:00 Maria’s typical saturday Maria meets two new contacts (networking event) for lunch in the center of city. Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 29. The New Bank Experience - Design Management Master - IED Barcelona 2010 Where professional meets personal Blurry lines It’s not what you know, it’s who you know Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010 Business &pleasure
  • 30. The New Bank Experience - Design Management Master - IED Barcelona 2010 “I need more time...more time to work...” Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 31. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s Monthly Cash Flow Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 32. Total Income € 4.600 The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s monthly cash flow Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 33. The New Bank Experience - Design Management Master - IED Barcelona 2010 Rent €1.200 1st - 5th / monthly La Caixa|Cash/Transfer € 3.400 Maria’s monthly cash flow Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 34. The New Bank Experience - Design Management Master - IED Barcelona 2010 Bank Loan €900 6th - 10th / monthly Santander|Auto-Transfer € 2.500 Maria’s monthly cash flow Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 35. The New Bank Experience - Design Management Master - IED Barcelona 2010 € 1.950 Bills/Utilities €550 6th - 15th / monthly Caixa Catalynua, La Caixa| Auto-Transfer, Cash Maria’s monthly cash flow Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 36. The New Bank Experience - Design Management Master - IED Barcelona 2010 € 1.290 Fitness club €170 La Caixa|Auto Transfer Gas/Insurance €330 Online Transfer Cleaning €160 Cash 20th - 25th / Monthly Maria’s monthly cash flow Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 37. The New Bank Experience - Design Management Master - IED Barcelona 2010 € 1.050 Market €240 30th / Monthly Sabadell|Debit Card/Cash Maria’s monthly cash flow Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 38. The New Bank Experience - Design Management Master - IED Barcelona 2010 € 800 Retirement €250 30th / monthly Online Bank Transfer Maria’s monthly cash flow Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 39. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria’s monthly cash flow € 800 At the end of the month, Maria is left with Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 40. The New Bank Experience - Design Management Master - IED Barcelona 2010 Maria Needs... Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 41. The New Bank Experience - Design Management Master - IED Barcelona 2010 Diversity|network Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 42. The New Bank Experience - Design Management Master - IED Barcelona 2010 Flexibility|time Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 43. The New Bank Experience - Design Management Master - IED Barcelona 2010 Organization|simplicity Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 44. The New Bank Experience - Design Management Master - IED Barcelona 2010 Opportunity Space Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 45. The New Bank Experience - Design Management Master - IED Barcelona 2010 Use a bank anytime for anything Network experience Loan time Use another currency Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 46. The New Bank Experience - Design Management Master - IED Barcelona 2010 Loan Time Use Another Currency Use A Bank Anytime For Anything Network Experience more time benefit education time knowledge loyalty increase interest cultural space Community Share knowledge Guidance Experience Connecting people Advice Pitch ideas Access to contacts Contacts Opportunity Space Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 47. The New Bank Experience - Design Management Master - IED Barcelona 2010 Concept Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 48. The New Bank Experience - Design Management Master - IED Barcelona 2010 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 49. The New Bank Experience - Design Management Master - IED Barcelona 2010 BanConnect enables entrepreneurs, business owners and freelancers to select, network and realize their projects using the bank’s existing infrastructure. Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 50. The New Bank Experience - Design Management Master - IED Barcelona 2010 The goal is to create business partnerships and connections that result in successful ventures and projects coming to life. Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 51. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1 Needs: - Time - Competence MARIA Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 52. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1 Needs: - Time - Competence MARIA Bank converts: Needs > Opportunities Contact Bank Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 53. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1 Needs: - Time - Competence MARIA Bank converts: Needs > Opportunities Freelancer Business Owner Contact Bank Opportunities = New Currency Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 54. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1 Needs: - Time - Competence MARIA Contact Bank Bank converts: Needs > Opportunities Opportunities = New Currency Freelancer Business Owner Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 55. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1 Needs: - Time - Competence MARIA Contact Bank Bank converts: Needs > Opportunities Opportunities = New Currency Freelancer Business Owner Information, Contacts, Time, Competence Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 56. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 1 Needs: - Time - Competence MARIA Contact Bank Bank converts: Needs > Opportunities Opportunities = New Currency Freelancer Business Owner Information & Contacts = Business for the Banks Commission New clients Customer Loyalty Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010 Benefits
  • 57. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2 MARIA Needs: - Time - Financing - Skills Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 58. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2 MARIA Idea + Needs/ Opportunities Needs: - Time - Financing - Skills Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 59. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2 MARIA Idea + Needs/ Opportunities Business Owner Freelancer Opportunity Currency Needs: - Time - Financing - Skills Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 60. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2 MARIA Needs: - Time - Financing - Skills Idea + Needs/ Opportunities Business Owner Freelancer Can Provide: - Financing/Investment - Knowledge/ Skill Opportunity Currency Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 61. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2 MARIA Needs: - Time - Financing - Skills Idea + Needs/ Opportunities Business Owner Freelancer Can Provide: - Financing/Investment - Knowledge/ Skill Opportunity Currency Investment in manpower, time and money Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 62. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 2 MARIA Needs: - Time - Financing - Skills Idea + Needs/ Opportunities Business Owner Freelancer Can Provide: - Financing/Investment - Knowledge/ Skill Bank Supplies Contacts = Commission for the Banks Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010 Benefits
  • 63. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3 Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Business Owner Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 64. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3 Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Business Owner Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 65. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3 Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Business Owner Bank present opportunity (problem) to suitable investors Business Owner Freelancer MARIA Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 66. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3 Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Business Owner Bank present opportunity (problem) to suitable investors Business Owner Freelancer MARIA MARIA Business Owner Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 67. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3 Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Business Owner Bank present opportunity (problem) to suitable investors Business Owner Freelancer MARIA Becomes stakeholders / Investors in the struggling company MARIA Business Owner Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010
  • 68. The New Bank Experience - Design Management Master - IED Barcelona 2010Concept Flow 3 Company with problems: - Monetary (Can’t pay mortgage) - Lack of Competence Etc. Business Owner Bank present opportunity (problem) to suitable investors Business Owner Freelancer MARIA Becomes stakeholders / Investors in the struggling company MARIA Business Owner Bank receives mortgage payments again Avoid business takeover Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010 Benefits
  • 69. The New Bank Experience - Design Management Master - IED Barcelona 2010 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010 Scenario
  • 70. The New Bank Experience - Design Management Master - IED Barcelona 2010 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010 Please check the:
  • 71. Thank you. The New Bank Experience - Design Management Master - IED Barcelona 2010 Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010