The ION network was designed for the Rotman Business Design Challenge in 2012. ION network is a international student credit rating agency that would be administered by a non-profit. ION ratings are designed to allow North American banks to lend to foreign nationals. We aimed to create a systems approach to lending, focused on developing life long wealth management. We conducted 21 individual interviews; with the aim to understand user experiences with banking and their financial habits to find the greatest opportunity for financial institutions to do better and build stronger relationships in the future.