Showing posts with label Jasmine. Show all posts
Showing posts with label Jasmine. Show all posts

Wednesday, 17 April 2013

Presentation

Now we have presented our ideas at BoostTurku and I'm very proud of our group! We presented the ideas as a story about Magda 60 y/o and her customer experience in Aktia. I will try to put up the whole story on the blog a little bit later on.

We actually didn't have the representative from Aktia listening to us, so we are going with the other Aktia group to Helsinki at some point to present our ideas for the board over there. Scary but exciting I think! So our work continues and we will probably develop our ideas a bit and think about ways of really visualizing our ideas. Probably we will continue writing on the blog and Twitter so you can follow the last bit of our journey :)

Thank you INNO58h and good job all the groups!

/ Jasmine

Tuesday, 16 April 2013

The work continues

Today we've been busy creating and developing ideas. Throwing some away, creating new ones, taking old ones back and so on. So far we've done pretty good and ideas are really forming in our minds. The work and developing continues...

/ Jasmine


By the way, we eat A LOT here... Ufff.

Monday, 15 April 2013

VIDEO: Banking Experience for Elderly People

Kunstenniemi, here we go!

We've arrived in Kunstenniemi and we're already up and creating. We got our Aktia assignment and it goes like this:

"Re-think banking service-design and future banking experience for Aktia using digital and technical solutions (target group: 60-70+)."

Interesting...

Friday, 12 April 2013

Portfolio: Jasmine

You can find my parts I've written on this blog for the individual portfolio by klicking on the tag "Jasmine" on this blog. Or you can find them here.

Only two days to Kunstenniemi, exciting!

SWOT-analysis

I've done a SWOT-analysis of Aktia. The analysis is based on the information I've collected from Aktias annual report and from the meeting at Aktia. So here it goes:

Strenghts:
  • Striving to have the best Finnish customer service in selected customer segments by 2015.
  • Aktia is a relatively small bank and it strives to offer even more personal service and learn to know their customers.

Weaknesses:
  • Their biggest competitors such as OP, Danske Bank and Nordea.
  • Because Aktia is a smaller bank it has a smaller budget than it's bigger competitors and therefore it always doesn't have the fundings to keep up with their competition in terms of new technology and such.

Opportunities:
  • To do better customer service than it's competitors for private customers and smaller companies.
Threats:
  • Uncertain economic situation
  • Competitors (see above)
  • Fluctuations in stock-, interest- and currency rates -> demand on services depends on these factors
  • Changes in intrestrates, output and credit margins influences the interest margin -> can influence profitability
  • New regulations can result in higher capital requirements, sharper competition on deposits, higher fixed costs and in the long-run higher lending margins -> less people willing to take loans
/ Jasmine


Friday, 5 April 2013

Meeting with Aktia

Today Jasmine and Mikael L from group Aktia 1 and Johannes and Max from group Aktia 2 went to a meeting to the Aktia offices in Turku. We got a tour in the bank and got to see the different parts of Aktia such as the real estate, private banking, investment and loaning "departments". Also we had time to ask questions and got some answers to them, even though we need some more information still.

Aktia is a smaller bank compared to the competitors and therefore they strive to be a more personal bank for every customer. Their slogan is something like "In every customer we see a person" (Aktia - Näkee jokaisessa asiakkaassaan ihmisen). Their goal is to have the best service in Finland in 2015 and we would be interested in knowing how they will do this and if they have an ace up in their sleeve. Also the bank organizes customer events where they offer food and drinks for customers.

Aktia doesn't have a call center that you get connected to when you call the bank, because they want the customer to get in contact with a person right away. But they do have a call center that contacts customers on a regular basis to get to know what's going on in their life and what kinds of services they would need. This is a good service, because it shows the bank cares about their customers and that you're not just one among others.

// Jasmine & Mikael L


We got caps! :D

Wednesday, 27 March 2013

Farliga Idéer

For the book assignment I read the book Farliga Idéer - När det opassande tänkande är din värdefullaste resurs (aprox. Dangerous Ideas - When the improper thinking is your most valuable resource) by Alf Rehn.



The book is about creativity, but really it's not. By that I mean it's not one of those classical creativity books that tells you to just step out of your box and do creativity excersises. It's more about to start thinking about the things were not supposed to think about, the improper things. The most interesting points Alf writes about are that there is levels of creativity, that we should think more childishly and about the things adults wouldn't even dream about, and that creativity shouldn't be just nice, but even a little bit disgusting. Usually we think about the nice level creativity where Alf argues that we actually are not creative, but we think we are. The other level is the real creativity, when we have had the courage to step out of our comfort zone and be creative about things that others think is improper or not suitable. At this stage we push our brain to really think and skip the norms. Also he says we need to be more childish, not think that an idea is not possible and imagine things like everything is possible. We need to be even a bit disgusting and think beyond the comfort of nice things. As an example in the book he told about a successful restaurant named The Fat Duck who's owner doesn't see any limits on food. The owner created a dish called "snailporridge" and it's just what it seems like; snails mixed with porridge and it became a success.



It's about thinking that every idea is a possibility, because many success stories don't actually contain a product we thought we would ever need. Here's the iPad a good example. Before the iPad we didn't even think we would ever need one, but when Steve Jobs launched their new Apple product line many bought it and many more think they should get one. It's about creating need. There's many stories like this and it shows that any idea is possible, because we shouldn't limit ourselves to the neccessary or what actually generates sales for sure, but go with it and see what happens.

Towards the end of the book he tells about an excercise he uses on students; they have to make a list of 20 business ideas in about 40 minutes otherwise they fail the course (okay, not really, but this makes them more motivated). His conclusions from the exercise is that the first ideas are good, but safe and common, the middle ones are not that bad, but still the brain hasn't worked hard enough to find the really creative ideas, and the last five are usually totally irrational, but very creative since the brain have had to really empty itself on everything it knows and go beyond the norms. The best ideas comes when you're working under preassure and have a deadline to meet, so I think this is something we're really going to experience at Kunstenniemi.

To finish this post my conclusions are that I think the books message was that we should take more risks, believe in ourselves and allow us to think about the unthinkable. Also we should have the courage to be different and try out things that no one else has and sometimes the most simple ideas are the best ones compared to a really thought-out idea. I think the book was really good, easy to read and follow, so I'm definitely recommending it to others to read!

/ Jasmine


Links on banking service design

By simple googleing I found a bunch of interesting websites and articles on banking service design:

Service Design For Innovative Banking (Rhaglen Dylunio Gwasanaethau Service Design Programme blog)

Storyboarding For A Banking Service (Service Design Melbourne)

Service Design For Banking (Blog: interaction design)

Bringing Service Design Into Retail Banking (Blog: Birds on a W!re)

Designing The Future Bank For The Digital Era (Sabadell slideshow)

The Big Broken Bank Rebuild (Article: The Guardian)

7 Ideas For Innovation In Banking Services (meld STUDIOS)

/ Jasmine


Picture from here.

Thursday, 21 March 2013

Jasmine

Hi! My name is Jasmine Kukko, 22 y/o, born and raised in the small town of Hanko, even though Turku is the city I've called my home since over 2½ years back. I'm currently studying international marketing at Handelshögskolan vid Åbo Akademi (HHÅA) on my practically second year with French as my minor (which I mostly studied last year). Next academic year I'm flying away to the US to try out the life as an exchange student and this year I wanted the last of the first year studies to be done and most of the second year studies and hooray I've almost accomplished that! I'm pretty ambitious and goal-oriented that way.

I signed up on the INNO58h course, because I thought it seemed as an interesting course and I need something more practical to do in the midst of all the lectures and reading theory. I'm eager to learn more new stuff, learn to be more creative and learn to work with totally new people from different schools. I'm currently functioning as the team leader for our group and so far all is okay and working out well, so I think we're all going to learn a lot and also learn from each other. Mostly I'm waiting for the real project to start in Kunstenniemi!

Random fact: I love travelling! Also I enjoy reading science magazines and watch documentaries on various subjects.

Team meeting

Yesterday we had a meeting with the whole group at Novia. We had just a short and effective meeting so that everyone in our team knows what we're doing, what we're supposed to do and what each of us is doing for the next working day. It was nice to see the whole team gathered (finally) and meet all face-to-face. Shortly we're going to put our individual presentations up here for you to see now that we've decided how to do them. Have a nice weekend all!

/ Jasmine

Tuesday, 19 March 2013

Second working day

Hello! We had the second working day on Friday the 15th of March in Turun AMK. In out group there was just me and Henri attending at first so the first part of the day we worked just the two of us. After discussing and drawing mindmaps and stuff we got a little bit more ideas on the actual project and what "Banking Service Design" is. Service design is about designing a new service och producing a new concept for an company that need renewal in their service. It's about making the service memorable, amazing and make it work in a new innovative way for the company. After having a little presentation about our company to the other groups and telling about our biggest challenges and so on we had a lunch break.

After the break we continued and now we had another team member joining us. Before we started working the course leaders told us our group has been remodeled and some people are going out and some people in. We're still six people in our group, but with other faces. We began discussing the books we had brough with us and decided on which ones we want to read for the course. Then we made up an "action plan" for the course and decided on meeting dates and stuff that has to be done before the next working day. Well, that was pretty much it!

/ Jasmine


Our poster about Aktia. Info found on the internet and on aktia.fi

Monday, 11 March 2013

Aktia: Banking Service Design

Hi! So it's Monday again and yet another "working" week begins. Today I attended the team leader meeting at Turun AMK and we got to know what company we're going to work with and what our keyword for the project is. As you maybe already guessed from the blog post title, our group is going to work with Aktia and the keyword we got is "Banking Service Design". So from this we have to build up our own understanding on what the actual project might be and read theory before the intensive period at Kunstenniemi in April where we're going to start with the actual project. On Friday we have our first "working day" from 9 AM to 3 PM, and to that every team member has to bring three books each on interesting topics that we can use as theory for the project. From those books we'll choose a minimum of one each and read it and later on you'll see what the book was about and what we thought about it here on the blog. That's about all I know for now.

One interesting thing I noticed at the meeting today was that just three out of twelve of the team leaders were women; I was wondering if that was just a coincidence, do we have more guys doing this course or are women just afraid of "leader" positions? Well this is a topic that is interesting, but maybe not something we want to take an opinion on during this course. I do not take this leader position as blood serious since it just happened that I had the time to attend this meeting and I think everyone in the group are equal in every matter. Everyone should do aprox. the same amount of work and be as active as anyone. Well it was just one of those things I notice. Bye now!

/ Jasmine


Picture from here.

Saturday, 9 March 2013

So it begins...

Hello! I thought I'd peek in and tell you a bit why we started this blog. We are five students from Novia and Åbo Akademi School of Business and Economics (HHÅA), participating in the INNO58h course.  We are three students from Novia and two from HHÅA. The reason for writing the blog in English is that we have an exchange student from Germany in our group.  We are a group of different people with different backgrounds, hence the blog name The Royal Mess.

The course started last Monday (4.3) with a kick-off at BoostTurku, where we were divided into groups. On Monday I will attend a meeting where we will get more information about the project and the company we'll be working with during this course. We will introduce ourselves individually later on. Welcome to follow our journey to innovation!

Read more about INNO58h here: http://innostutaan.blogspot.fi/ & https://twitter.com/INNO58h
About BoostTurku here: http://www.boostturku.com/ & https://twitter.com/boostturku
And follow our Twitter to here: https://twitter.com/TeamRoyalMess

/ Jasmine