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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

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Page 1: Ban connect

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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Time is Gold

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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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

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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

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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

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Today’s Approach

physicalbanking

online banking

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

GlobalTrends

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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Think Tankan 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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Do it Yourself

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

• Time is gold

• Buying time

• Sharing & generosity

• Alternative methods (substitution)

MainDrivers

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Persona

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Maria’s Mindset

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Maria’s Actors

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Maria’s ExtremeMonday

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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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

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Maria’s Typical

SaturdayMandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Where professional meets personal

Blurry linesIt’s not what you know,

it’s who you know

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

Business &pleasure

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Maria’sMonthly

Cash FlowMandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Loan €9006th - 10th / monthlySantander|Auto-Transfer

€ 2.500

Maria’s monthly cash flow

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

€ 1.950

Bills/Utilities €5506th - 15th / monthlyCaixa Catalynua, La Caixa|Auto-Transfer, Cash

Maria’s monthly cash flow

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

€ 1.050

Market €24030th / MonthlySabadell|Debit Card/Cash

Maria’s monthly cash flow

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

€ 800

Retirement €25030th / monthlyOnline Bank Transfer

Maria’s monthly cash flow

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

MariaNeeds...

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Diversity|network

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Flexibility|time

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Organization|simplicity

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Opportunity Space

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Use a bank anytime for

anything

Network experience

Loantime

Useanother

currency

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Loan Time

Use Another Currency

Use A Bank Anytime For

AnythingNetwork

Experience

more time

benefit education

timeknowledge

loyalty

increase interest

cultural space

Community

Shareknowledge

Guidance

Experience

Connectingpeople

Advice

Pitch ideas

Access tocontacts

Contacts

Opportunity Space

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

ConceptMandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

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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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept Flow 1

Needs:- Time

- Competence

MARIA

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept Flow 1

Needs:- Time

- Competence

MARIA Bank converts: Needs > Opportunities

Contact Bank

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept Flow 1

Needs:- Time

- Competence

MARIA Bank converts: Needs > Opportunities

FreelancerBusiness Owner

Contact Bank

Opportunities = New Currency

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept Flow 1

Needs:- Time

- Competence

MARIA

Contact Bank

Bank converts: Needs > Opportunities

Opportunities = New Currency

FreelancerBusiness Owner

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept Flow 1

Needs:- Time

- Competence

MARIA

Contact Bank

Bank converts: Needs > Opportunities

Opportunities = New Currency

FreelancerBusiness Owner

Information, Contacts, Time, Competence

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

Page 56: Ban connect

The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept Flow 1

Needs:- Time

- Competence

MARIA

Contact Bank

Bank converts: Needs > Opportunities

Opportunities = New Currency

FreelancerBusiness Owner

Information & Contacts = Business for the Banks

Commission

New clients

Customer Loyalty

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

Benefits

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept Flow 2

MARIA

Needs:- Time- Financing- Skills

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept Flow 2

MARIA

Idea + Needs/Opportunities

Needs:- Time- Financing- Skills

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept 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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept 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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept 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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Bank Supplies Contacts = Business for the Banks

Concept 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

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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

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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

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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

FreelancerMARIA

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

Page 66: Ban connect

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

FreelancerMARIA

MARIA

Business Owner

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

FreelancerMARIA

Becomes stakeholders /Investors in the struggling company

MARIA

Business Owner

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

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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

FreelancerMARIA

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

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

Scenario

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The New Bank Experience - Design Management Master - IED Barcelona 2010

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010

Please check the:

Page 71: Ban connect

Thank you.

The New Bank Experience - Design Management Master - IED Barcelona 2010

Mandy Bouchedid | Marcus Carlsson | Miguel Pacheco | Peta Johnston 26/7 - 2010