Improving Financial Health

Design Thinking

 

How might we improve the financial health of people who have experienced domestic violence through entrepreneurship and/or public-private partnerships?

Summer of Design Challenge


Skills

Behavior Scan, Interview Guide Development, User Interviews, Journey Mapping, User Flow Creation, Prototyping, Usability Testing, Stakeholder Pitch

Role

Service Designer, Research Lead, Researcher

Tools

Adobe XD, Powerpoint


Research

Behavior Scan

Where might our users find themselves when trying to get back on their feet financially? What do these places look and feel like?

To better understand our user’s experience, I spent and afternoon in a local SNAP benefits office and looked for insights and opportunities to better support our users.

Insight: The “take a number” system was ineffective and confusing. When the number of customers increased, this system failed to be effective.

Opportunity: Create an “assembly line” system, that makes it clear where customers needs to go for each step of the process.

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User Interviews: Extreme Users

Through our research we found that 99% of domestic abuse cases involve financial abuse. By conducting 2 interviews and notetaking for 2 more, this stood out as a powerful statistic in our debriefs.

“It was like a big whirlpool, I felt like I was drowning every time, it was within the first few minutes of the conversation, he could twist it so quickly. I realize now that I was being manipulated, but I didn’t realize that for a long long time”


Identifying Insights

Journey Map

Using experiential data collected in the interviews, our team mapped out the user journey to determine where in the process we could create the most value. Our team spent a day discussing our discoveries and interview experiences to ensure that we captured our users end-to-end experience.

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Insights

Through our research findings, we identified these 6 key insights to form our design criteria

  1. Limited freedom is enough to prevent survivors from pursuing the hope of true freedom

  2. Financial control becomes a psychological campaign that removes the idea of possible freedom regardless of financial resources

  3. Personal variables have the most impact in the transition phase, not the decision point which ultimately impact the resources the person may need (variables include education, income, kids, age, health)

  4. There may be indicators to outside parties that control may be happening

  5. Resources by nature can be a deterrent because it requires trust in an unknown system

  6. Success is relative but is universally shaped by the “three pillars” (Physical, Financial, and Emotional separation)

Design Criteria: “If anything were possible our ideal solution would…”

  • Meet users “where they are” and scale to the spectrum of needs and starting points (e.g., education, age, income, kids, health)

  • Address users’ unique challenges across three interconnected dimensions: emotionally, physically, and financially

  • Allow users to see the bigger picture (including psychological control), reimagine their future and help empower them to regain control of their finances

  • Help users understand and navigate the transition journey, and its ebbs and flows

  • Build awareness and trust through accessible and reliable info and resources


Ideation

Once our design criteria was set, we were ready to start creating and testing solutions. We brainstormed ideas and tested our assumptions using rapid idea generation and creating a user flow.

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Prototype, Test, and Present

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In the end we created, prototyped, and iterated on “Grow Free Together”, a compassionate and holistic approach to building financial health using augmented reality technology.

By using an augmented reality platform to connect our users to financial assistance from trained specialists who have used the platform themselves, we were able to provide them the privacy and accessibility they needed, while more successfully building trust to accelerate the financial recovery process.

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““I wish I had this resource when I was in the shelter and staying with family so I didn’t have to rely on them for everything and had clear steps to take. Getting out isn’t going to solve all your problems, you need to be able to stand on your own two feet.”


Initial testing of “Grow Free Together” with users provided positive feedback, including the quote above. The prototype received positive feedback from the judges, and votes from our partner, Capital One.