FinTech is innovative in offering financial services through technology and user experience (UX)
First Principle Thinking
FPDT
It is the practice of actively questioning every assumption you think you ‘know’ about a given problem or scenario, and then creating new knowledge and solutions from scratch
3 Single Steps
- Identify and define current assumptions
- Breakdown the problem into its fundamental principles
- Create new solutions from scratch
Examples
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Motorola flip phone
iPhone touchscreen, no keyboard -
Rocket engineering techniques and approach 50 years ago
SpaceX modern approach -
Bank Services
Design Thinking
- Solution-based approach to problem solving
- Human based approach: observing and empathizing with the target user
- Questions the problem, assumptions and the implications
- Identify alternative solutions that might not be instantly apparent
- Non-linear and iterative: sketching, prototyping, testing, and trying out concepts
Design Thinking
Design Sprint
- Understand/Empathize: Research your users’ needs
- Define: State your users’ needs and problems
- Ideate/Sketch: Challenge assumptions and create ideas
- An addition phase can be to “Decide” or “Vote”
- Prototype: Start to create solutions
- Validate/Test: Try your solutions out
Understand
User Journey
What is the end-to-end user experience?
- How do users arrive or begin?
- What are the entry points?
- What is the ideal or target path or flow?
- What are the key moments or touchpoints along the way?
- Is this a single or multi-session experience?
- How does the experience end?
- What are the exit points?
- How do we reach or serve users after they have finished?
How Might We…?
- Think of the end to end user journey
- From the point of view of all types of users
- Write pain points as opportunities
当前假设：我们需要 XXX 才能 YYY.
HMW: 我们如何在没有 XXX 进行 YYY.
Define
然后利用 HMW 问题，可以定义出 outcome，如
- Goal: Start by thinking about the big picture: What are you trying to help users do? What problem are you trying to solve?
- Measure: Next, consider what change in user behaviour or opinion would indicate you have been successful in your goals
Sketch
Decide
- More than one HMW statement can be worked on in the Sketch phase
- Vote for the best solution
Prototype
- Create a prototype of the chosen concept in the decide phase
- You are building just what you need to make the prototype real enough to get an authentic response from a potential user in the Validate phase.
- Map out the exact flow for the experience and only building the steps you want to test
- No need to build a full functional back-end or to solve for every flow in your product
- Anything can be prototyped in a day if it is clearly mapped out
- You can create a prototype to present for your group project
Validate
- Gather feedback from users who interact with your prototype
- Stakeholder and technical feasibility reviews
- Re-iterate on your solution after gathering feedback
- Test and test again
- Go back to the relevant phases if user tests fails