Designing ONe Wallet Solution 

 Reflection on Visualization and Learning Launch 

 Challenge & Selection     The bank in which I am currently serving as one of the Digital Business Lead has been trying to find an   effective solution to serve the lower - mass segment that comes with the upper - level segments the bank is   focusing on .   We already had some ideas and ideal conditions that we should have to meet the best   interest of all stakeholders involved , the challenge is however to devise and develop the most effective   product , along with the roadmap of how the bank should leverage on this product in the future .     To provide a bit of a context on the challenge at hand , the bank currently has one third of its savings   account opened as payroll accounts for blue - collar workers at minimum - wage range of salaries .   The bank   has its top reputation in serving corporate customers that have thousands of blue - collar workers in their   factories .   Business - wise , the target segment for the bank is the corporate and the individuals working in   that corporation that belong to what we identify as Emerging Affluent and Affluent segments .   However ,   in order to serve the target segment , we need to be able to serve the lower - mass segment that comes   with the package .   The challenge with this specific segment is that they are not considered profitable to   the bank .   Therefore , the bank embarked on a mission to improve how the bank would serve this specific   segment that should be measured in terms of cost and process efficiencies .     In order to devise a solid proposal and roadmap , we realized that the key is to develop a strong product ,   versatile and flexible enough for the bank to serve the intended segment , while still maintaining focus on   the main target segment .   We figured , once the most - fitted product is in place , aligning supporting   environments and activities should be more manageable .       Thus , I decided to kick - off a product designing process with Visualization tool as the main tool , leading to   Learning Launch sequences until we would make the product work the best to the mission .   In addition ,   during the process of designing , Mind Mapping has been one of our most valuable tools in aligning all   stakeholders ’ perspective and providing a map for us to stay on track .   However , the reflection would be   on the emphasis of the Visualization tool that helped us building the cornerstones of this product .     Application     At the beginning , we already had a hypothesis that the most suitable product for the challenging segment   is the electronic money ( e - money ) .   The real challenge at hand is to devise the characteristics of our own   e - money in the amidst of other dominating e - money issuers in the market , while at the same time   answering concerns from the highest - level in the bank toward the effectiveness of having an e - money in   the bank ’s product portfolio .     The process was started with a workshop that involved the directly involved stakeholders consisting of   Digital Business , Operations & IT , Business Banking and Marketing .   The Project Management Office ( PMO )   assisted as the facilitator over the whole process .   We started by defining and constructing the problem   statement . 

 The Visualization tools began its effectiveness since the very beginning of the process .   We defined and   collected all necessary information on the “ What Is ” situation .   Besides collecting readily available primary   data , we dig a little bit deeper by collecting secondary , qualitative data from extended stakeholders and   even the customers themselves .   We divided the workshop participants into four groups , each   representing the said main functions , but each group itself consisted of group members from different   functional team .   For example , there was a group focusing on product management ( the function of Digital   Business team ) , and the group was consisted of members from each of different functional team .   Same   applied to the other three groups .     We considered the first process quite successful as we managed to map all the current situation , complete   with all the aspects had been considered good , those had been the challenges , and those had always been   in the wish list of commercial team but not yet available bank wide .   Visualization helped us see the   situation more clearly and keep all the different functions on the same perspective throughout the   process .   Problem statement was then constructed and agreed upon by all the stakeholders .     The second session was fully dedicated to the designing process .   With the problem statement at hand ,   we started the second process with identifying closely the characteristics and behaviors of the targeted   segment .   Here , we created personas to represent the categories of users of the solution , from the main   target , to several secondary target market .   We heavily used Visualization tools and aids during the   process , from the pictures of real customers that fall to each of categories , to illustrations of how they   would make use of the solution throughout their activities .   Besides Visualization , we also partly use Story   Telling as an aid to construct our personas .   It was an exhaustive process , but we managed to narrow   down the categories from nine to only four , The Worker , The Overseer , The Companion and The Hunter .    Conclusively we locked that four categories as our main persona for this specific solution .     Then the next day came with the third session , defining the customer journey with the solution .   Again ,   Visualization aids were proven the most effective tool in this stage .   We defined the journeys for the four   categories , and at the end of the session , we managed to create the single journey for all categories .   The   decision became the customer journey from first onboarding to interacting with the solution and even   further to attrition .   We managed to squeeze - in additional journey when the customers would have been   entering the attrition phase , which would have further led to cross - selling opportunities or actual attrition .     The result of our third session were further processed by our third - party agency to produce user   interface / user experience design .   They then proposed by A - B Testing to the board of management ( later   in the following processes ) .   The fourth session was the conclusive session to design how we would design   the suitable proposition to the customers .   Visualization was still a valuable tool in this stage , besides Mind   Mapping that we extensively used to explore possibilities and to determine what could work and what   not .   Reflecting to the course , this would be when we defined ‘ What Work ’ after the ‘ What Wow ’ session   during the customer journey session , and ‘ What If ’ session during the product designing .       Insight & Approach     I learnt a lot from this course , and surprisingly very relevant and applicable to the real designing activities   in my work ( and I am now also convinced it is applicable to all in general as well ) .   Based on my experience ,   even when I personally was n’t completely literate of the step - by - step design thinking , we have done the   concept throughout our processes and we have proven its effectiveness so far . 

 Having learnt design thinking , I will use the concept and the framework throughout the designing activities   in my line of work , as well as encouraging the team to learn more of design thinking concept for their own   successful works .       Continuing the process , we are now in the process of making Learning Launches for the solution we named   ONe Wallet .   The overall product circles around a server - based electronic money application , with its   supporting environment and processes to serve the lower - mass segment , while on the other hand   creating a currently one - of - a - kind proposition to business banking in Indonesia by the bank I ’m working   for .    We have set several metrics and test scenarios to quickly measure some of the elements of the   products , and to quickly make revisions or improvements based on the result in the next release .   We are   now running on a one - month sprints of development , and we will release the first working version to   limited public by March 2014 before going largely on April 2012 .     Even further , we are now planning to have several small launches after the initial launch that would have   signified small incremental improvements in the solution .   The improvements may not always upon the   ONe Wallet application but can be on the supporting process and environment .   For example , we already   have a roadmap at hand to launch supporting tools in the internet banking platform .     Going forward , I have already been working with my team upon the design thinking framework as well as   the tools .   We make it a habit to always have discussions with the aids of Visualization and Mind Mapping ,   and to construct a process or a solution with Story Telling .   Since we have been operating with Agile   mindset and Scrum methodology , the Learning Launches have become our way of working as well . 


EMAIL: 
ID_NUM: 
NAME_STUDENT: 
PHONE_NUM: 
STREET_ADDRESS: 
URL_PERSONAL: 
USERNAME: 

### Task: You are a PII (Personal Identity Information) Detection. Given a essays written by students, you have to identify ONLY the following:
NAME_STUDENT - The full or partial name of a student that is not necessarily the author of the essay. This excludes instructors, authors, and other person names.
EMAIL - A student’s email address.
USERNAME - A student's username on any platform.
ID_NUM - A number or sequence of characters that could be used to identify a student, such as a student ID or a social security number.
PHONE_NUM - A phone number associated with a student.
URL_PERSONAL - A URL that might be used to identify a student.
STREET_ADDRESS - A full or partial street address that is associated with the student, such as their home address.
### Input: Designing ONe Wallet Solution 

 Reflection on Visualization and Learning Launch 

 Challenge & Selection     The bank in which I am currently serving as one of the Digital Business Lead has been trying to find an   effective solution to serve the lower - mass segment that comes with the upper - level segments the bank is   focusing on .   We already had some ideas and ideal conditions that we should have to meet the best   interest of all stakeholders involved , the challenge is however to devise and develop the most effective   product , along with the roadmap of how the bank should leverage on this product in the future .     To provide a bit of a context on the challenge at hand , the bank currently has one third of its savings   account opened as payroll accounts for blue - collar workers at minimum - wage range of salaries .   The bank   has its top reputation in serving corporate customers that have thousands of blue - collar workers in their   factories .   Business - wise , the target segment for the bank is the corporate and the individuals working in   that corporation that belong to what we identify as Emerging Affluent and Affluent segments .   However ,   in order to serve the target segment , we need to be able to serve the lower - mass segment that comes   with the package .   The challenge with this specific segment is that they are not considered profitable to   the bank .   Therefore , the bank embarked on a mission to improve how the bank would serve this specific   segment that should be measured in terms of cost and process efficiencies .     In order to devise a solid proposal and roadmap , we realized that the key is to develop a strong product ,   versatile and flexible enough for the bank to serve the intended segment , while still maintaining focus on   the main target segment .   We figured , once the most - fitted product is in place , aligning supporting   environments and activities should be more manageable .       Thus , I decided to kick - off a product designing process with Visualization tool as the main tool , leading to   Learning Launch sequences until we would make the product work the best to the mission .   In addition ,   during the process of designing , Mind Mapping has been one of our most valuable tools in aligning all   stakeholders ’ perspective and providing a map for us to stay on track .   However , the reflection would be   on the emphasis of the Visualization tool that helped us building the cornerstones of this product .     Application     At the beginning , we already had a hypothesis that the most suitable product for the challenging segment   is the electronic money ( e - money ) .   The real challenge at hand is to devise the characteristics of our own   e - money in the amidst of other dominating e - money issuers in the market , while at the same time   answering concerns from the highest - level in the bank toward the effectiveness of having an e - money in   the bank ’s product portfolio .     The process was started with a workshop that involved the directly involved stakeholders consisting of   Digital Business , Operations & IT , Business Banking and Marketing .   The Project Management Office ( PMO )   assisted as the facilitator over the whole process .   We started by defining and constructing the problem   statement . 

 The Visualization tools began its effectiveness since the very beginning of the process .   We defined and   collected all necessary information on the “ What Is ” situation .   Besides collecting readily available primary   data , we dig a little bit deeper by collecting secondary , qualitative data from extended stakeholders and   even the customers themselves .   We divided the workshop participants into four groups , each   representing the said main functions , but each group itself consisted of group members from different   functional team .   For example , there was a group focusing on product management ( the function of Digital   Business team ) , and the group was consisted of members from each of different functional team .   Same   applied to the other three groups .     We considered the first process quite successful as we managed to map all the current situation , complete   with all the aspects had been considered good , those had been the challenges , and those had always been   in the wish list of commercial team but not yet available bank wide .   Visualization helped us see the   situation more clearly and keep all the different functions on the same perspective throughout the   process .   Problem statement was then constructed and agreed upon by all the stakeholders .     The second session was fully dedicated to the designing process .   With the problem statement at hand ,   we started the second process with identifying closely the characteristics and behaviors of the targeted   segment .   Here , we created personas to represent the categories of users of the solution , from the main   target , to several secondary target market .   We heavily used Visualization tools and aids during the   process , from the pictures of real customers that fall to each of categories , to illustrations of how they   would make use of the solution throughout their activities .   Besides Visualization , we also partly use Story   Telling as an aid to construct our personas .   It was an exhaustive process , but we managed to narrow   down the categories from nine to only four , The Worker , The Overseer , The Companion and The Hunter .    Conclusively we locked that four categories as our main persona for this specific solution .     Then the next day came with the third session , defining the customer journey with the solution .   Again ,   Visualization aids were proven the most effective tool in this stage .   We defined the journeys for the four   categories , and at the end of the session , we managed to create the single journey for all categories .   The   decision became the customer journey from first onboarding to interacting with the solution and even   further to attrition .   We managed to squeeze - in additional journey when the customers would have been   entering the attrition phase , which would have further led to cross - selling opportunities or actual attrition .     The result of our third session were further processed by our third - party agency to produce user   interface / user experience design .   They then proposed by A - B Testing to the board of management ( later   in the following processes ) .   The fourth session was the conclusive session to design how we would design   the suitable proposition to the customers .   Visualization was still a valuable tool in this stage , besides Mind   Mapping that we extensively used to explore possibilities and to determine what could work and what   not .   Reflecting to the course , this would be when we defined ‘ What Work ’ after the ‘ What Wow ’ session   during the customer journey session , and ‘ What If ’ session during the product designing .       Insight & Approach     I learnt a lot from this course , and surprisingly very relevant and applicable to the real designing activities   in my work ( and I am now also convinced it is applicable to all in general as well ) .   Based on my experience ,   even when I personally was n’t completely literate of the step - by - step design thinking , we have done the   concept throughout our processes and we have proven its effectiveness so far . 

 Having learnt design thinking , I will use the concept and the framework throughout the designing activities   in my line of work , as well as encouraging the team to learn more of design thinking concept for their own   successful works .       Continuing the process , we are now in the process of making Learning Launches for the solution we named   ONe Wallet .   The overall product circles around a server - based electronic money application , with its   supporting environment and processes to serve the lower - mass segment , while on the other hand   creating a currently one - of - a - kind proposition to business banking in Indonesia by the bank I ’m working   for .    We have set several metrics and test scenarios to quickly measure some of the elements of the   products , and to quickly make revisions or improvements based on the result in the next release .   We are   now running on a one - month sprints of development , and we will release the first working version to   limited public by March 2014 before going largely on April 2012 .     Even further , we are now planning to have several small launches after the initial launch that would have   signified small incremental improvements in the solution .   The improvements may not always upon the   ONe Wallet application but can be on the supporting process and environment .   For example , we already   have a roadmap at hand to launch supporting tools in the internet banking platform .     Going forward , I have already been working with my team upon the design thinking framework as well as   the tools .   We make it a habit to always have discussions with the aids of Visualization and Mind Mapping ,   and to construct a process or a solution with Story Telling .   Since we have been operating with Agile   mindset and Scrum methodology , the Learning Launches have become our way of working as well .
### Output: 