Let’s make low income people save more

Whapp Now Team

Set up mind set with creativity exercises

Our team members are T-shape

HCD mind set

5 analogous situation, even though we thought there were almost none

The team is composed of positive deviants in

saving behavior

Let’s make low income people save more

The bible on low income people’s behavior

How might we provide low income people with more

flexible savings account

Brainstorming rules Brainstorming rules!!!

Idea ate! Ideal ate!

User experience and what to prototype

Grandpa, tell me a story

The selected idea (see next slide)

Our solution: A saving accounts associated to the discount card of low-price supermarkets (e.g. Minipreço, Portugal). The account holds 10 to 20% of the each purchase. After a fixed amount has been reached or after a fixed period, the savings can be used for purchase in the supermarket.

1st prototype: A story. Other types (exc. diagram) weren’t suitable due to bureaucracies with supermarkets Link: 1st prototype

Improving the 1st prototype

It needs more incentives e.g. buy with discounts

It should include other people not only low income

It couldn’t compete with bank products

It should allow to buy in other shops

People might not trust a supermarket

Et al A free coffee for a small interview

Full size view: Link: Final prototype