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(Go and see)
INCREMENTAL
INNOVATION
INCREMENTAL
INNOVATION

LATERAL
INNOVATION
DISRUPTIVE
INNOVATION
INCREMENTAL
INNOVATION

1995

LATERAL
INNOVATION
DISRUPTIVE
INNOVATION
INCREMENTAL
INNOVATION

2008

LATERAL
INNOVATION
DISRUPTIVE
INNOVATION
INCREMENTAL
INNOVATION

LATERAL
INNOVATION
DISRUPTIVE
INNOVATION
INCREMENTAL
INNOVATION

2008

LATERAL
INNOVATION
DISRUPTIVE
INNOVATION
INCREMENTAL
INNOVATION

LATERAL
INNOVATION
9
customer focussed

! A new way of discovering fresh ideas
★

★ Accelerated feedback and validation
★ Replace customer proxy...

with customer insight + validation
What did we do, then?
go and ask / go and see

12
13
You will never find anything, unless you’re
looking for something.
- Dave Gray
14
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
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
go and see
(divergent)
Image	
  h)p://bit.ly/10eqhxV

co-design
(emergent)
★ Let go of the design
★ Explore with customers
★ Sketch collaboratively

!

Image	
  h)p://bit.ly/10epX25

Image	
  h)p://bit.ly/12HUerx

Image	
  h)p://bit.ly/13ZWo1u

15
go and see
(divergent)
Image	
  h)p://bit.ly/10eqhxV

co-design
(emergent)
★ Let go of the design
★ Explore with customers
★ Sketch collaboratively

KJ Analysis
(convergent)
★ ‘Affinity Diagramming’
★ Make connections
★ Identify themes

!

Image	
  h)p://bit.ly/10epX25

Image	
  h)p://bit.ly/12HUerx

Image	
  h)p://bit.ly/13ZWo1u

15
go and see
(divergent)
Image	
  h)p://bit.ly/10eqhxV

co-design
(emergent)
★ Let go of the design
★ Explore with customers
★ Sketch collaboratively

KJ Analysis

Prototyping

(convergent)

(convergent)

★ ‘Affinity Diagramming’
★ Make connections
★ Identify themes

!

★

Construct hypotheses
based on insights

★ Explore in low fidelity
★ Test your hypothesis 

with customers

Image	
  h)p://bit.ly/10epX25

Image	
  h)p://bit.ly/12HUerx

Image	
  h)p://bit.ly/13ZWo1u

15
16
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 complicated

Break 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
Learning to do our own user testing

29
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?
Lifestyle	
  Planning
Points	
  to	
  move	
  your	
  status
1	
  (Logins	
  –	
  Not	
  shown)
3
5
10
20
50	
  points

	
  
	
  

ReGrement	
  Planning

	
  

Download	
  Annual	
  Statement

	
  
	
  

TransacGon	
  History

Origina+on	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  2	
  weeks	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  1	
  year	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  2	
  years	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  	
  3	
  years

Update	
  Beneficiaries
IniGate	
  Rollover
Tell	
  Employer
Supply	
  TFN
Account	
  CreaGon

A journey unfolds, one step at a time

ReGreme

Lifestyle	
  Plan

TransacGon	
  check-­‐in
DIVERGENCE

47
48
CONVERGENCE

49
50

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