AIOP

All in one place (AIOP) - The app that changes your way of banking

Through a week long seminar in Voss we have dived into the world of design thinking. Our team has used the concepts of innovation in real life, and thus we have gained a valuable tool case for the future. By challenging ourselves and continuously pushing the limits of our comfort zone, we have come up with a product that will completely change the way you do banking. Welcome to the app with all in one place.

Design thinking

In order for you to get fully indulged in our journey towards making a product, we will start by taking you through the five stages of the design thinking process. Each stage will provide a short description of what we did, followed by our main takeaways. After you have finished reading stage 5, you will see a presentation of our product. This sections provides all the information you need to know about our product, as well as the main features of it.

We hope you enjoy reading this blog as much as we liked writing it!

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Stage 1: Empathize

Julie Markussen
Sep 5, 2018
1 min read

In the first stage of design thinking, we are required to have a deep understanding of the problems and realities of the people you are designing for. This is also called the stage of “empathy”. Since we work for a bank, nearly all citizens can become our customers, including ourselves. We decided that we would go outside to have a talk with bank workers and other people nearby banks and in the last we would question ourselves: what are our own needs for the bank and what problems do we meet?

We first interviewed the worker at a local bank and he gave us useful information in terms of online banking and problems in general face. Our key insight was that people who visited the bank were elderly people. Younger ones mainly came to the bank when they were faced with internet problems. One thing that surprised us was old people tend not to use the online banking, even though it can be said to be simple. Therefore, in order to have a better combination of offline service and online service, we may focus on younger people and most other workers who use online banking.

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The final product

AIOP is a super flexible, friendly and easy to use application that will make life easier for all of our customers while offering a safe environment.

We really want to enlighten our customers regarding their spending and provide them with the necessary tools to make the right decisions. This is why we have:

Real time data & analytics – graphs, table and charts will allow clients to track virtually and visually their expenses

Chatbox - We promise to deliver 24h/24 advice as well as real expertise and knowledge thanks to our chatbox where clients can ask questions about their personal account or any question related to their finances.
Training lessons – Clients will have the golden opportunity to participate in basic to advanced training lessons regarding investment decisions and saving options to improve their knowledge. AIOP also knows its clients want to have a meaningful impact on causes they care about but in a simple and hassle-free way.
This is why at every lesson completed, AIOP will donate money to a charity our clients care about.

We also wish to facilitate budgeting on things like restaurants and groceries and help clients take back the control of their finances. Setting up a budget has never been easier and AIOP will track the progress to ensure that targets are met.

Finally, AIOP allows clients to send securely money to friends, split a bill at the restaurant or settle after a holiday trip.

After all, AIOP really offers what it stands for, all in one place easy finance for everyone!