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![Page 1: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/1.jpg)
Selected Business Article
Millennials Are Saying No to
Credit Cards
http://money.cnn.com/2014/09/08/pf/millennials-credit-cards/
Jessica Harrington Professor Klinkowstein
![Page 2: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/2.jpg)
Jessica Harrington Professor Klinkowstein
![Page 3: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/3.jpg)
Summary
• 6 out of 10 don’t own a credit card.
Jessica Harrington Professor Klinkowstein
![Page 4: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/4.jpg)
Summary
• Bad economy and fearing debt.
Jessica Harrington Professor Klinkowstein
![Page 5: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/5.jpg)
Summary
• Good credit score is essential.
Jessica Harrington Professor Klinkowstein
![Page 6: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/6.jpg)
Setting / Activity for Ethnographic Observation
Millennials buying things at book store with credit or debit card.
Jessica Harrington Professor Klinkowstein
![Page 7: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/7.jpg)
Jessica Harrington Professor Klinkowstein
![Page 8: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/8.jpg)
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
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Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
![Page 10: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/10.jpg)
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
![Page 11: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/11.jpg)
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
![Page 12: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/12.jpg)
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
![Page 13: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/13.jpg)
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
![Page 14: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/14.jpg)
Ethnographic Research, Millennials Using a Credit or Debit Card
Jessica Harrington Professor Klinkowstein
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Ethnographic Research Observations
Jessica Harrington Professor Klinkowstein
• All but one of the students observed used debit cards or cash to purchase items.
![Page 16: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/16.jpg)
Ethnographic Research Observations
Jessica Harrington Professor Klinkowstein
• Students observed did not make big purchases, only small items from bookstore.
![Page 17: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/17.jpg)
Ethnographic Research Observations
Jessica Harrington Professor Klinkowstein
• One man who bought a grey hoodie did not respond to the cashier when she said hi to and asked him about his day.
![Page 18: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/18.jpg)
Ethnographic Research Observations
Jessica Harrington Professor Klinkowstein
• Students didn’t seem to spend more than $30.
![Page 19: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/19.jpg)
Ethnographic Research Observations
Jessica Harrington Professor Klinkowstein
• Male students seemed more anxious about talk to the cashier than women. (Talked quickly, less eye contact)
![Page 20: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/20.jpg)
Ethnographic Research Findings
Jessica Harrington Professor Klinkowstein
• Students don’t need bank credit cards because they’re not purchasing expensive things. A store credit card would possibly attract people.
![Page 21: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/21.jpg)
Ethnographic Reading Summary
Jessica Harrington Professor Klinkowstein
• The goal for IDEO in this article was to redesign the checkpoints in airport security.
Ethnographic Research-Who are the Users
![Page 22: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/22.jpg)
Ethnographic Reading Summary
Jessica Harrington Professor Klinkowstein
• Prototypes were made, including a training curriculum for TSOs that focus more on understanding people and behaviors.
Ethnographic Research-Who are the Users
![Page 23: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/23.jpg)
Ethnographic Reading Summary
Jessica Harrington Professor Klinkowstein
• Ethnographic research is valuable in understanding what users want, not just a general idea.
Ethnographic Research-Who are the Users
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Ethnographic Reading Summary
Jessica Harrington Professor Klinkowstein
• IDEO designed a calmer environment by focusing more on explosives and people with hostile intent.
IDEO TSA Project
![Page 25: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/25.jpg)
Ethnographic Reading Summary
Jessica Harrington Professor Klinkowstein
• The physical space of airports was analyzed and redesigned to reduce stress of travelers.
IDEO TSA Project
![Page 26: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/26.jpg)
Ethnographic Reading Summary
Jessica Harrington Professor Klinkowstein
• TSA is using a human-centered approach to increase security by getting rid of other chaos.
IDEO TSA Project
![Page 27: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/27.jpg)
Ethnographic Reading Summary
Jessica Harrington Professor Klinkowstein
• IDEO research is observation-based, human-centered methods to understand hidden truths, needs, wants.
Ethnographic Research IDEO
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Ethnographic Reading Summary
Jessica Harrington Professor Klinkowstein
• Analogous cases help inspire innovative approaches for redesigns. Such as a hospital emergency room and a NASCAR pit crew.
Ethnographic Research IDEO
![Page 29: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/29.jpg)
Ethnographic Reading Summary
Jessica Harrington Professor Klinkowstein
• Meaningful benefits are provided for the consumer and the business. Innovating ideas that will last are ones that are willing to change with needs.
Ethnographic Research IDEO
![Page 30: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/30.jpg)
Proposal for an Innovative Business
Jessica Harrington Professor Klinkowstein
• Using a smartphone app or online system users can pre-set a spending allowance and what types of purchases one wants to allow through categories linked to the card.
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Proposal for an Innovative Business
Jessica Harrington Professor Klinkowstein
• The app allows one to share their success with friends and compete with other users for having a better credit score.
![Page 32: Selected business article](https://reader034.fdocuments.us/reader034/viewer/2022052621/5585272bd8b42a4c128b5027/html5/thumbnails/32.jpg)
Proposal for an Innovative Business
Jessica Harrington Professor Klinkowstein
• Applications include allowing users in their early to mid-twenties to obtain a better credit score allowing them to buy a house or car, and allowing users 17-20 years old to practice good credit card use.