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VIA DESIGN




the danish competition and consumer authority


stakeholder driven
innovation
june 2012

                                                 1
VIA DESIGN




background

This presentation summarises a stakeholder driven
innovation process that VIA Design facilitated for the
Danish Competition and Consumer Authority.
The purpose of the project was to increase
competition in the private banking market and to
test a design anthropological approach to policy
development.
The process has identified challenges and potentials,
generated a number of ideas and developed 5 policy
concepts that were tested on bank customers and
stakeholders within the sector.


© VIA Design 2012
www.viadesign.dk


For further information, please contact:
Sune Kjems
+45 2627 9392
sk@viadesign.dk




                                                         2
VIA DESIGN




THE INNOVATION
PROCESS


                 3
VIA DESIGN




the stakeholder driven
innovation process
      	

       	

  Definition of purpose
   & success criteria




       Analysis of              Idea generation
                                                           	

                                                            	

                                                       Prioritisation of ideas
     key challenges            with stakeholders




                                                       Concept development
                                                                                         	

                                                                                          	

                                                                                  Prioritisation of concepts




The project was implemented through a                                                Bank customer test             Stakeholder test
                                                                                                                                         	

                                                                                                                                          	

                                                                                                                                       Final prioritisation
stakeholder driven innovation process.

This means that the process brought together a number of different methods
and 'tools from product and service development, anthropology and service design
and involved the representatives of the various stakeholder groups within the banking sector.

The structured innovation process: workflow -> prioritisation meeting -> workflow ensures that the project’s success
criteria form the basis for the decisions through the process. The Steering Group has continuously partly eliminated ideas
that can not live up to the various sub-criteria, and supported the work of those who continued in the process.                               Report

This brings the development process symbolically to look like a funnel.

                                                                                                                                                               4
VIA DESIGN




1 | challenges & ideas
    	

     	

Definition of purpose
 & success criteria




     Analysis of         Idea generation
                                                	

                                                 	

                                            Prioritisation of ideas
   key challenges       with stakeholders




                                            Concept development
                                                                            	

                                                                             	

                                                                      Prioritisation of concepts




                                                                         Bank customer test        Stakeholder test
                                                                                                                        	

                                                                                                                         	

                                                                                                                      Final prioritisation




                                                                                                                             Report



                                                                                                                                             5
VIA DESIGN


analysis of key challenges
An analysis workshop generated a number of themes based
on quantitative and qualitative data.

Subsequently themes were translated into 11 challenge
cards including individual potentials.                            11 challenges/potentials



             quantitative and qualitative data




                 visualisations of the bank customers
                 and the banks processes                                       16 relevant situations




                                                          INPUT OUTPUT                                  2 selected target groups
                                                                                                                                            6
VIA DESIGN

idea generation
To generate ideas in plenary was – apart from specific
disciplines in the Competition and Consumer Authority
– a number of special skills, including in innovation,
behavioural economics, technology, IT, banking, etc.
invited

Subsequently, the workshop 650 comments and 6
conceptual ideas translated into 40 idea cards.                                                  6 conceptual ideas


                                                                        650 comments




   challenge cards




                                                         INPUT OUTPUT            40 idea cards
                                                                                                                       7
	

                                                                       	

                                                                                                                  VIA DESIGN

prioritering af ideas
The 40 idea cards were divided into three categories:
1.  Ideas that require further conceptualisation
2.  Ideas that deals with political regulation
3.  Ideas for policy recommendations - directly to the final report

Ideas for conceptualization was further prioritised according to three
criteria:                                                                               14 ideas to conceptualisation
•  Increases idea consumer mobility / motivation to switch bank
•  Increases idea consumer activity in relation to their own bank(s)
•  Should we use resources on the idea




40 idea cards


                                                                                                14 ideas to regulation




                                                                                                         5 ideas to report




                                                                         INPUT OUTPUT
                                                                                                                   8
VIA DESIGN




2 | policy concepts
    	

     	

Definition of purpose
 & success criteria




     Analysis of         Idea generation
                                                	

                                                 	

                                            Prioritisation of ideas
   key challenges       with stakeholders




                                            Concept development
                                                                            	

                                                                             	

                                                                      Prioritisation of concepts




                                                                         Bank customer test        Stakeholder test
                                                                                                                        	

                                                                                                                         	

                                                                                                                      Final prioritisation




                                                                                                                             Report



                                                                                                                                             9
VIA DESIGN

concept development
The 14 selected idea cards to further conceptualisation were clustered
into categories and qualified into 8 key concepts.


                                                                                 categories




14 idea cards




                                                                                        8 concept cards




                                                                         INPUT OUTPUT
                                                                                                          10
prioritization of concepts 	

                            	

                                                                                                                               VIA DESIGN




The 8 concept maps were prioritized according to four criteria:
•  What ideas have immediately the greatest potential
•  Is the idea politically feasible?
•  Can the idea's impact be measured?
•  Does the idea generate value relative to the investment?

5 policy concepts were selected and subsequently translated into
                                                                           5 concepts selected for testing on bank customers
5 user scenarios that show the concept in practice.




8 concept cards




                                                                                      5 user scenarios




                                                                   INPUT OUTPUT
                                                                                                                               11
VIA DESIGN




3 | response
    	

     	

Definition of purpose
 & success criteria




     Analysis of         Idea generation
                                                	

                                                 	

                                            Prioritisation of ideas
   key challenges       with stakeholders




                                            Concept development
                                                                            	

                                                                             	

                                                                      Prioritisation of concepts




                                                                         Bank customer test        Stakeholder test
                                                                                                                        	

                                                                                                                         	

                                                                                                                      Final prioritisation




                                                                                                                             Report



                                                                                                                                             12
VIA DESIGN

bank customer test
The 5 user scenarios, 11 challenge cards and 5 ideas were
tested at 8 bank customers.

Subsequently, responses were collected in a report with
main conclusions and recommendations.



            11 challenges


                                                                      report




                       5 ideas




                   5 user scenarios




                                                            INPUT OUTPUT
                                                                               13
VIA DESIGN

stakeholder test
Finally the Competition and Consumer Authority invited a number
of key political stakeholders in the banking market for a half-day
workshop.
 
The purpose of the workshop was to present the policy concepts
and the process for stakeholders and allow them to comment and
qualify the concepts.
 
The five concepts were well received by stakeholders, who had a
number of suggestions on how they could be optimized.
 
The input from the stakeholder and the user test provides the basis
for the Competition and Consumer Authority’s reflection on the
finalisation of the policy concepts.




                                                                      14
VIA DESIGN

final results and deliverables
The project results were evaluated to 8.3 on a scale of 0-10.




                                                                              5 policy concepts visualised as user scenarios




final report including key conclusions and recommendations
and review of the process and results

                                                                                          users response to concepts,
                                                                                                 ideas and challenges




annex




journeys                             target groups              windows of opportunity                 challenges & potentials   idea catalogue

                                                                                                                                                  15

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Policy Innovation

  • 1. VIA DESIGN the danish competition and consumer authority stakeholder driven innovation june 2012 1
  • 2. VIA DESIGN background This presentation summarises a stakeholder driven innovation process that VIA Design facilitated for the Danish Competition and Consumer Authority. The purpose of the project was to increase competition in the private banking market and to test a design anthropological approach to policy development. The process has identified challenges and potentials, generated a number of ideas and developed 5 policy concepts that were tested on bank customers and stakeholders within the sector. © VIA Design 2012 www.viadesign.dk For further information, please contact: Sune Kjems +45 2627 9392 sk@viadesign.dk 2
  • 4. VIA DESIGN the stakeholder driven innovation process   Definition of purpose & success criteria Analysis of Idea generation   Prioritisation of ideas key challenges with stakeholders Concept development   Prioritisation of concepts The project was implemented through a Bank customer test Stakeholder test   Final prioritisation stakeholder driven innovation process. This means that the process brought together a number of different methods and 'tools from product and service development, anthropology and service design and involved the representatives of the various stakeholder groups within the banking sector. The structured innovation process: workflow -> prioritisation meeting -> workflow ensures that the project’s success criteria form the basis for the decisions through the process. The Steering Group has continuously partly eliminated ideas that can not live up to the various sub-criteria, and supported the work of those who continued in the process. Report This brings the development process symbolically to look like a funnel. 4
  • 5. VIA DESIGN 1 | challenges & ideas   Definition of purpose & success criteria Analysis of Idea generation   Prioritisation of ideas key challenges with stakeholders Concept development   Prioritisation of concepts Bank customer test Stakeholder test   Final prioritisation Report 5
  • 6. VIA DESIGN analysis of key challenges An analysis workshop generated a number of themes based on quantitative and qualitative data. Subsequently themes were translated into 11 challenge cards including individual potentials. 11 challenges/potentials quantitative and qualitative data visualisations of the bank customers and the banks processes 16 relevant situations INPUT OUTPUT 2 selected target groups 6
  • 7. VIA DESIGN idea generation To generate ideas in plenary was – apart from specific disciplines in the Competition and Consumer Authority – a number of special skills, including in innovation, behavioural economics, technology, IT, banking, etc. invited Subsequently, the workshop 650 comments and 6 conceptual ideas translated into 40 idea cards. 6 conceptual ideas 650 comments challenge cards INPUT OUTPUT 40 idea cards 7
  • 8.  VIA DESIGN prioritering af ideas The 40 idea cards were divided into three categories: 1.  Ideas that require further conceptualisation 2.  Ideas that deals with political regulation 3.  Ideas for policy recommendations - directly to the final report Ideas for conceptualization was further prioritised according to three criteria: 14 ideas to conceptualisation •  Increases idea consumer mobility / motivation to switch bank •  Increases idea consumer activity in relation to their own bank(s) •  Should we use resources on the idea 40 idea cards 14 ideas to regulation 5 ideas to report INPUT OUTPUT 8
  • 9. VIA DESIGN 2 | policy concepts   Definition of purpose & success criteria Analysis of Idea generation   Prioritisation of ideas key challenges with stakeholders Concept development   Prioritisation of concepts Bank customer test Stakeholder test   Final prioritisation Report 9
  • 10. VIA DESIGN concept development The 14 selected idea cards to further conceptualisation were clustered into categories and qualified into 8 key concepts. categories 14 idea cards 8 concept cards INPUT OUTPUT 10
  • 11. prioritization of concepts   VIA DESIGN The 8 concept maps were prioritized according to four criteria: •  What ideas have immediately the greatest potential •  Is the idea politically feasible? •  Can the idea's impact be measured? •  Does the idea generate value relative to the investment? 5 policy concepts were selected and subsequently translated into 5 concepts selected for testing on bank customers 5 user scenarios that show the concept in practice. 8 concept cards 5 user scenarios INPUT OUTPUT 11
  • 12. VIA DESIGN 3 | response   Definition of purpose & success criteria Analysis of Idea generation   Prioritisation of ideas key challenges with stakeholders Concept development   Prioritisation of concepts Bank customer test Stakeholder test   Final prioritisation Report 12
  • 13. VIA DESIGN bank customer test The 5 user scenarios, 11 challenge cards and 5 ideas were tested at 8 bank customers. Subsequently, responses were collected in a report with main conclusions and recommendations. 11 challenges report 5 ideas 5 user scenarios INPUT OUTPUT 13
  • 14. VIA DESIGN stakeholder test Finally the Competition and Consumer Authority invited a number of key political stakeholders in the banking market for a half-day workshop.   The purpose of the workshop was to present the policy concepts and the process for stakeholders and allow them to comment and qualify the concepts.   The five concepts were well received by stakeholders, who had a number of suggestions on how they could be optimized.   The input from the stakeholder and the user test provides the basis for the Competition and Consumer Authority’s reflection on the finalisation of the policy concepts. 14
  • 15. VIA DESIGN final results and deliverables The project results were evaluated to 8.3 on a scale of 0-10. 5 policy concepts visualised as user scenarios final report including key conclusions and recommendations and review of the process and results users response to concepts, ideas and challenges annex journeys target groups windows of opportunity challenges & potentials idea catalogue 15