The Future of Payments. As heavily implied in the title of this challenge; it frames the process of 'paying', as a 'future' process. But being future oriented, it easily draws parallels to design fiction and speculative design. As designing for futures opens up the method used to make a certified guess and question; as whom the design is designed for and with (for users, with users etc.); and by 'creating' technology that is not existing today as a base for one's design. However, one can also try and 'find' the next method of payment, by looking at the current payment systems etc. and see why they became 'the next' thing and more. Moreover, one can question how payment will happen, and ask if it will be tangible etc. with a focus on the technology it will be used in collaboration with. One could also ask towards radical change as mobile pay and nfc, and swipp credit cards can be argued as, and again, asking the consequences of this suggested method.
The Economy Experience: First, this text will use notes and thoughts from the Danske Bank presentation; as to budgets etc. being to obscure for the users. Then this design challenge, easily provide a starting point, as to a current relevant problem, to base one's research upon. More generally, this design challenge seems, at this stage, to be a lot about the experience associated with the current processes, and by that it would be easy to include user experience, affordance etc. by that including the users in the design process through workshops etc. But a different approach, could be to ask, when user experience etc. makes something more obscure, through the many layers of interfaces, codes etc. Therefore, asking what the tradeoffs will be to improve this process (eventually making it automatic etc.).
The Social Economy: The last design challenge, which is probably the furthest from the association of Banks, provides one with many different aspects to how the bank can be incorporated. However, making a strong argument in the link of bank and sharing, can seem challenging, as a 'bank' is not typically associated with 'sharing' etc. And one most likely, should make an extensive research to find a way to approach this challenge. Some ways, could be to research what sharing is, and how it differs from the bank, by also researching how the bank operates.
A way of approaching this challenge, could be done by researching what is 'social economy'; How it has evolved in our society, historically, looking at startups, failures etc. to see how different domains approach it. Doing that, might enable the designer, to find a vision, or a situation to which the designer wants to include Dansk Bank into.
Relevante Artikler: The Future of Payments.http://www.computerworld.com.au/article/614123/app...
https://www.nfcworld.com/country/korea/
http://www.forbes.com/sites/quora/2017/02/10/will-no-checkout-stores-like-amazon-go-be-commonplace-by-2025/#6eb6f14e6fc7
https://www.paybyphone.com/
https://www.cnet.com/how-to/apple-pay-vs-google-wa... Eksempler: https://www.nfcworld.com/
http://www.techradar.com/news/phone-and-communications/what-is-nfc-and-why-is-it-in-your-phone-948410
http://blog.unibulmerchantservices.com/how-mobile-payments-should-be-done-apples-ibeacon-vs-nfc/
https://www.zellepay.com/ The Economy Experience https://www.in2media.com/our-work/danske-bank-ebanking/
https://dk.trustpilot.com/review/www.danskebank.dk
http://www.pengetiltiden.dk/sammenligning-af-alle-danske-banker/
http://www.businessinsider.com/the-future-of-banking-growth-of-innovative-banking-fintech-services-2016-12?r=US&IR=T&IR=T
https://www.quora.com/What-has-been-your-worst-banking-experience (not good for reference) Eksempler: http://www.hongkiat.com/blog/next-gen-user-interface/
https://www.interaction-design.org/literature/book/the-encyclopedia-of-human-computer-interaction-2nd-ed/3d-user-interfaces
https://www.fastcodesign.com/3066571/the-best-and-worst-user-interfaces-of-2016
http://www.uxofvr.com/
The Social Economy https://ec.europa.eu/growth/sectors/social-economy_en
http://www.mckinsey.com/industries/high-tech/our-insights/the-social-economy
https://www.quora.com/Where-can-I-find-samples-of-effective-crowdfunding-marketing-emails-for-family-colleagues-acquaintances
http://www.thetimes.co.uk/article/fraudster-abused-crowdfund-investors-38p02zptn
https://qz.com/906280/in-seoul-a-new-sharing-econo...
Eksempler: http://www.crowdfunding.com/
https://www.forbes.com/pictures/eeji45emgkh/airbnb-snapgoods-and-12-more-pioneers-of-the-share-economy/#652980a952cf
http://www.nextgencrowdfunding.com/
Noter til links (in Danish): The Future of Payments: Disse links fokusere primært på forskellige tiltag på at indføre nye betalingsmetoder; primært NFC, hvor de bl.a. fortæller hvordan det er brugt i Korea mange steder.
Derudover, er der en enkelt artikel der fortæller om Amazon, og hvorvidt dette er fremtiden (svaret er ja ifølge artiklen).
Disse 2 systemer er blevet valgt, da de begge har noget med mobilen at gøre, samt begge tror at de er 'fremtiden'. Heraf stiller spørgsmålet, til hvilken af disse der er bedst, men også om der er andre, og evt. kan kombineres/tages noget fra disse metoder, til en helt ny tredje metode.
The Economy Experience: Disse links herunder, fokusere primært på Danske Banks eget omdømme, vist på nogle udvalgte hjemmesider. Det vigtige er dog at se dem kritisk, f.eks. hvor deres trustpilot score er steget, og hvem der egentligt bruger 'trustpilot'. Grunden til disse valg af links, er at se hvordan folk/kunder oplever Danske banks ydelser når de 'selv' 'frivilligt' anmelder. Heraf kan man stille spørgsmål til den valgte målgruppe, se andre målgrupper og på de 'få' der anmelder noget andet. Man kan også lave observationer og se om det faktisk er 'sandt', eller gennem test, sammen med brugerne.
Det vigtige her, er at gå ekstra kritisk til empirien, da det er meget kvalitativt og udvalgt.
Og at finde en løsning/ny metode på et problem, kan føre til nye konsekvenser der kan argumenteres om.
The Social Economy: Disse links fokusere mest på selve konceptet af 'social economy', samt eksempler på hvordan det kan gå godt og ikke så godt inden for dette domæne. Herudover, også nogle forudsigelser for fremtiden indenfor denne sektor. Grunden til disse valg er ret simpel; det er svært at finde et direkte link mellem bank og dette område og derfor er der valgt at se på nogle velkendte eksempler indenfor dette domæne, for at se nogle styrker og enkelte svagheder ved dette. Det kan derfor være mere interessant at se efterfølgende eksempler, der har skabt værdi gennem deling på hver deres måder; hvor de primært kan ses som administrationen af det hele, og kunderne der skaber værdien. Her er det vigtigt at se, at denne lighed, kan begrænse ens tanker, og måske det er muligt at finde eksempler hvor virksomhederne er mere inde over processen der skaber værdi for brugerne, eller/og virksomheden.
