OP-Pohjola, the largest national bank has a long history of innovation and firsts. In late 2012 the bank set its sights on an application which sets a whole new standard on personal financial services. The result is Pivo, an app that in less than six months from the release climbed on top of the Finnish app store and claimed the spot of most used banking app in the country. Pivo's unique selling point — a beautiful and effortess way to follow and understand one's own daily consumption and tap into various offers and loyalty programs at once.

1. www.nordkapp.fi
@Nordkapp
Mobile Wallet Pivo
Service Design Achievement 2014
Sami Niemelä
Creative Director
sami@nordkapp.fi
@samin
Jussi Juntunen
Service Designer
jussi.juntunen@op.fi
#sda15

2. Nordkapp designs products and services which
help our clients turn the internet into business and
experiences people love to interact with.
Nordkapp auttaa asiakkaitaan muotoilemaan internetistä
liiketoimintaa, kuluttajapalveluita ja sovelluksia joita ihmiset
haluavat käyttää päivittäin.
www.nordkapp.fi
@Nordkapp
#sda15

3. www.nordkapp.fi
@Nordkapp
Old
Service Design Product Design
What we do?
Why
What How
Insightful
Strategic
Visionary
Lean
Shipping
Detailed
Conceptual
Inventive
Forward looking

4. www.nordkapp.fi
@Nordkapp
Selected clients

6. Jussi Juntunen
Service Designer
Sami Niemelä
Visual Lead, Product Design
Jukka Koops, Timo Rostedt: Visual Design
Reeta Laamo / Redanbtlue, icon production

7. Product owner
Design & development
1.0 Product Design
Visual Design
Marketing
Naming
Visual Identity
Media agency
#sda15

8. PO-TEAM
Kristian Luoma
Tuomas Jomppanen
Jussi Juntunen
Hanna Huusko
Laura Kanniainen
SOCIAL MEDIA
Heli Piilola
GRAPHICS
Veera Lindholm
ARCHITECT
Petri Liimatta
iOS CLIENT
Antti Laitala
ANDROID CLIENT
Niko Rehnbäck
Antti Kauppila
WP CLIENT
Johannes Tuomela
Johannes Niemelä
Markus Mörsky
CORE SERVER
Janne Lukkari
Sami Setämaa
Jukka Tuohimaa
PARTNER SERVER
Marko Taponen
Inka Piippo
Mika Lackman
Jukka-Pekka Heikura
Sami Iljin
Mauno Vähä
TESTING
Mikko Valkama
Pekka Mäki-Asiala
Satu Parkkila
Jukka Väyrynen #sda15

9. FINNISH MOBILE WALLET
PLATFORM FOR MOBILE PAYMENTS
FOCUS ON PURCHASE MOMENT, BEFORE AND
AFTER ACTUAL PAYMENT
ONE COMMON BRAND FOR OTHER BANKS AND
PARTNERS TO JOIN
#sda15

10. NO BUREAUCRACY
NO HIERARCHY
NO PROCESS
NO BRAND
NO NAME
NO STYLE
#sda15

11. #sda15

12. #sda15

13. #sda15

14. #sda15

15. INTERVIEWS
USABILITY TESTS
CONCEPT VALIDATIONS
CONTINUING FEEDBACK
#sda15

16. THE UI IS THE PRODUCT
#sda15

17. ARTICULATED VISION FROM DAY 1.
#sda15

18. #sda15

19. #sda15
WELL DESIGNED

20. HUMAN
#sda15

21. INTELLIGENT
#sda15

22. CREDIBLE
#sda15

24. #sda15

25. #sda15
1.0 LAUNCH: MAY 2013

26. #sda15

27. #sda15

28. “One of the best and most useful apps
I've seen. You'd think you don't spend
any money but good thing Pivo tells
the real truth!"
—an iPhone Pivo user
#sda15

29. OVER
350 000
DOWNLOADS
#sda15

30. #sda15
RIGHT PEOPLE DOING RIGHT THINGS
LIGHT PROCESS/DOCUMENTATION
PASSION FOR THE PRODUCT
FREQUENT USER RESEARCH
FAIL FAST, FAIL OFTEN
WORK CULTURE
STRONG VISION

31. #sda15
1.0 2.0 …

32. #sda15

34. www.nordkapp.fi
@Nordkapp
Thank you!
Sami Niemelä
Creative Director
sami@nordkapp.fi
@samin
Jussi Juntunen
Service Designer
jussi.juntunen@op.fi