(Go and see)

INCREMENTAL INNOVATION

LATERAL INNOVATION

INCREMENTAL INNOVATION

DISRUPTIVE INNOVATION

LATERAL INNOVATION

INCREMENTAL INNOVATION

1995

DISRUPTIVE INNOVATION

LATERAL INNOVATION

INCREMENTAL INNOVATION

2008

DISRUPTIVE INNOVATION

LATERAL INNOVATION

INCREMENTAL INNOVATION

DISRUPTIVE INNOVATION

LATERAL INNOVATION

INCREMENTAL INNOVATION

2008

DISRUPTIVE INNOVATION

LATERAL INNOVATION

INCREMENTAL INNOVATION

�9

!

★Accelerated feedback and validation

★Replace customer proxy...

with customer insight + validation

customer focussed

★A new way of discovering fresh ideas

What did we do, then?

�12

go and ask / go and see

�13

�14

You will never find anything, unless you’re looking for something. - Dave Gray

�15

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�15

go and see (divergent)

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co-design (emergent)

★Let go of the design

★Explore with customers

★Sketch collaboratively

!

go and see (divergent)

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Image  h)p://bit.ly/10epX25 Image  h)p://bit.ly/12HUerx Image  h)p://bit.ly/13ZWo1u

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co-design (emergent)

★Let go of the design

★Explore with customers

★Sketch collaboratively

!

KJ Analysis (convergent)

★ ‘Affinity Diagramming’

★Make connections

★ Identify themes

go and see (divergent)

Image  h)p://bit.ly/10eqhxV

Image  h)p://bit.ly/10epX25 Image  h)p://bit.ly/12HUerx Image  h)p://bit.ly/13ZWo1u

�15

co-design (emergent)

★Let go of the design

★Explore with customers

★Sketch collaboratively

!

KJ Analysis (convergent)

★ ‘Affinity Diagramming’

★Make connections

★ Identify themes

Prototyping (convergent)

★ Construct hypotheses

based on insights

★Explore in low fidelity

★Test your hypothesis with customers

go and see (divergent)

Image  h)p://bit.ly/10eqhxV

Image  h)p://bit.ly/10epX25 Image  h)p://bit.ly/12HUerx Image  h)p://bit.ly/13ZWo1u

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�19

�20

One in five feel ‘ashamed’ or ‘dumb’

58% worry about being financially exposed

43% feel ‘powerless’

Around 1 in 2 Australians worry about whether they will have enough to retire on

Almost 1 in 2 find super complicated

More than 1 in 4 have no idea what their super balance is

Super is complicatedBreak it down into simple enjoyable steps

I’ll never have enough to retire Show that small actions will  affect their future

I get no benefits from my super  Provide immediate rewards to positive actions

�29Learning to do our own user testing

Points contribute to your score

Quest - to build your home

Badges, role-play, unfolding story

Unpredictable reinforcement

Real-world rewards

Behavioural change & financial literacy

Removed some of the game mechanics

House metaphor sneaks back in...

What’s with the points?

Account  CreaGon

Supply  TFN

Tell  Employer

IniGate  Rollover

Update  Beneficiaries

Origina+on                                                                      2  weeks                                                                                      1  year                                                                                            2  years                                                                                  3  years

Lifestyle  Planning

Download  Annual  Statement

TransacGon  History

TransacGon  check-­‐in

ReGrement  Planning

Tell  Employer  (New  Job)

Lifestyle  Planning

ReGrement  Planning

Lifestyle  Planning

ReGrement  Planning

Update  Details  (Moved)

TransacGon  Check-­‐in

1  (Logins  –  Not  shown)  3  5  10  20  50  points

Points  to  move  your  status

A journey unfolds, one step at a time

�47

DIVERGENCE

�48

�49

CONVERGENCE

�50