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
“I need more
time...more time
to work...”
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

30. 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

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
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
Scenario

70. [Video]

71. Thank you.
The New Bank Experience - Design Management Master - IED Barcelona 2010
Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010