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 2: Define

Julie Markussen
Sep 5, 2018
1 min read

The second stage of our innovation process was the “definition” stage. On the basis of the previous stage’s findings, we were first of all challenged to figure out which user we shall focus on. Next to that, it was important to agree on the major needs and wants of our target group based on crucial insights that we gained about our user in the first stage.

As a first step, we collected the interviewees’ core statements on the wall in order to get a comprehensive overview of the previous stages’ findings. Along the way, it turned out that there are similarities in terms of peoples’ requirements when it comes to online banking, which could be summarized in several “need categories”. These comprised convenience, security and accuracy when it comes to banking services, as well as trust and familiarity in/with the bank itself.

Writing down our ideas and thoughts on stickers enabled us to get an overview of our case.

As our interviews revealed, especially freshly graduated people have the need to feel safe and informed about their financial decisions. They are quite unexperienced with handling their own financials and are often lacking the information on how to cope with this new important topic in their lives. Therefore, we decided to put this target group in the center of attention in the following stages of the design thinking process, involving the task to find a suitable solution for the described problem.

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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!