Underbanking
The bank recedes
Customers set preferences once and let the service run, with the bank stepping forward mainly when attention or a decision is needed.
Form 02 · Workshop · Developing
I design workshops around the shift in understanding a group needs to make.
When understanding is distributed across people, a workshop can create a shared experience through which assumptions, differences, and possible directions become visible. I design the sequence of activities around what the group needs to understand differently by the end.
Example 01 · Innovation Week
During an Innovation Week in the Service Stellar context, product designers explored different possible roles for the bank. The challenge was to open several strategic directions without forcing them into a single roadmap or maturity sequence.
01 Warm up assumptions
Use language and association to loosen the group’s existing definition of autonomous banking.
02 Establish the question
Surface why autonomous banking matters and what participants already associate with it.
03 Sense innovation forces
Look beyond the current banking experience to technological and behavioral forces that may reshape it.
04 Explore possible futures
Use metaphor, future trajectories, and degrees of autonomy to expand the solution space.
05 Bring autonomy back to tasks
Ask what could be automated and what customers might actually want automated.
06 Synthesize strategic lanes
Turn the accumulated exploration into distinct future positions for the bank.
The lanes supported strategy tiering and prioritization, but what was prioritized and which decisions followed still need confirmation. No adoption or measurable outcome is implied.
The bank recedes
Customers set preferences once and let the service run, with the bank stepping forward mainly when attention or a decision is needed.
The bank participates
The bank takes a more active role by anticipating needs, offering guidance, and supporting decisions beyond isolated transactions.
The interface disappears
The bank provides trusted services and APIs while customer interaction moves into other companies’ interfaces.