Strategic Service Designer | Research, Service Design & Facilitation | Innovation & Transformation
I design services for the people who use them and the people who deliver them, at the same time.
I'm Nuria Sánchez, a senior strategic service designer with more than 20 years of experience. My own business, retail, leading the Fair Trade area of an NGO… Service design gave a name and a structure to the way I think. I work on complex services in any sector, from banking to healthcare and the public sector, and I join teams or support specific projects.
20+ years connecting people, business and operations
Strategic service design and researchIndependent consultant since 2014 and embedded in teams at large companies, in sectors such as banking, telecoms, healthcare, energy, technology and the public sector.
Building products from scratchThree and a half years at a SaaS startup, defining the value proposition, the service and the MVP.
Business and leadershipCo-founder of a business still running two decades later. Head of Fair Trade at an NGO, where I turned the area into a profitable business line.
Facilitation and trainingInnovation and transformation programmes for BBVA, Santander, Google Campus, Fundación Telefónica, Pepe Jeans, Lagardère, Medialab Prado, INFO Murcia, Impact Hub Madrid, Design Thinking España and Design for Change, among others.
Cases
Real projects, anonymised. In each one I explain what I decided, why, and what changed.
The challenge was to understand where patients' waiting came from. The research showed that much of it was generated by the hospital's internal processes, and two of the concepts we co-created were put into practice.
A bank wanted to help people save for their first home with a dedicated account. Once people saw it in full, its benefits fell short, and the research led the team to stop and rethink the product.
In a public sector project, the stakeholders shared a purpose: getting useful, specialised training to workers. Differences in interests and political positions made agreements and joint work between organisations difficult. We needed to understand those frictions and prepare a process in which they could build solutions together.
The bank wanted to grow in loans of more than five years, with little room to compete on price. The research showed how much it mattered to feel secure about taking on that commitment: understanding the terms, knowing the repayments fitted and being able to validate the decision when doubts arose.
The team had defined what their customer service assistant should be like. Now they needed to know what people perceived when they heard it, and whether that personality matched what they expected from the service and the brand.
I can put an idea in front of the right people and find out what works, what doesn't and what we should change before building further and investing more effort.
Before researching anything, I clarify what needs deciding, for whom, and whether we're facing the right question or just the most comfortable one.
I make the pieces fit
I cross-reference information, opinions and constraints until the whole makes sense.
I connect people with the business
I link what people need with what the organisation can sustain, so the recommendations can actually be carried out.
The team leaves with a decision
My work ends when there's something clear to act on.
Facilitation
20+ years facilitating
For me, facilitation is the structural piece of strategic service design: the one that makes conversations fertile and helps the group decide with the information on the table, weighing up perspectives and thinking about the consequences.
With very different groups (children, young people, adults and people over 65), in person, online and hybrid, from workshops of a few hours and hackathons to programmes lasting several weeks, and for all kinds of organisations: social organisations, multinationals, SMEs, entrepreneurs, public administrations, universities and business schools.
Some training programmes I've designed and delivered
Innovation and digital transformation Learning Sprint | Hackea tu Futuro (Regional Government of Extremadura), with Mindtech: 8 weeks and 15 online sessions.
Innovation Mindset course | Design Thinking España: live sessions and asynchronous exercises.
Innovation and transformation for BBVA teams | with Netmind, since 2019.
Design thinking for entrepreneurship and working culture | Red de Centros Circular FAB.
Minimum viable product for entrepreneurs | Start programme at C-LAB Cáceres, with Startups.st.
Some co-creation and participatory processes I've designed and facilitated
Strategic co-creation for a large company | with Design Thinking España: 4 challenges and 7 teams from different regions.
Big Challenge by Uno entre cien mil | online sprints on real challenges from seven foundations.
Colabora Almendralejo | with Alma Natura: young people and business owners create businesses from their own surroundings.
Fundación Luz Casanova | design thinking to improve the detection of gender-based violence among women over 65, with women who had experienced it in the teams.
WE Lead Food | I co-designed the co-creation session “My impact model” for women entrepreneurs and leaders in the agri-food sector, where each participant built her business model starting from the impact she wanted to create.
Hackathons | designing and facilitating hackathons and intensive co-creation days, from challenge to prototype, with multidisciplinary teams.
Recreo | I organised and coordinated a gathering in Navalvillar de Pela to rethink rural life as an opportunity.
Where it all started
SeeHide
Before all this | at 15, during the holidays, I taught children in very small villages who struggled to get to school, with a group of volunteers. That's where I discovered my passion for guiding others as they learn.
Fundación Montemadrid | arts-related programmes, such as Periodiqueros, where children created their own newspaper.
Design for Change España | for over a decade, helping launch it and on the design and facilitation team for Lab I Can.
What I bring to teams
When there's a lot of information, many opinions and no clear direction, I design a process to bring order and help the group find its way forward.
I design sessions with purpose, structure and rhythm so the team leaves with decisions made.
When views, interests or positions clash, I design the conditions for them to build a shared vision without the tension blocking the process.
I help teams review their own ways of working and turn them into concrete actions, with real commitment.
I design programmes that train behaviours as well as content, so what's learned is applied the very next day.
I facilitate participatory processes with communities, young people, businesses and institutions.
How I facilitate
I design the context and the exercise. Before bringing anyone together, I ask myself what would need to happen for that group to listen to each other, understand each other and decide without getting stuck. I get to know the purpose, the people taking part, where they come from and where they're heading.
I facilitate so the group thinks. I know how to hold uncomfortable moments without rushing to fill them, because that's where a group starts to think.
I train behaviours, by doing and on a real case. In my training, each session works on a specific skill, such as deferring judgement, diverging and converging or building on other people's ideas. Theory is just enough to take the next step: we apply it straight away to a real challenge, and keep doing so throughout the programme. Practice is what makes knowledge stick, and it brings out the real questions of the job.
The running order is a guide I adapt to the group. I plan it to the minute and let it go when the group needs something else, or when something is emerging that serves the purpose better. The same goes for templates: if they get in the way, they change.
Running order of one of my sessions: “How might we manage our time better?”, design thinking applied to a team's culture, in two and a half hours online
Welcome, challenge and way of working 15 min
Understanding: tensions, good practices and aspirations, from divergence to findings 30 min
Design principles in teams, the compass for deciding 30 min
Convergence: we vote and keep “the chosen ones” 20 min
One minimum action per principle, to put in place tomorrow 25 min
10-week plan: one principle and one action each week, measure and adjust 25 min
It combines design thinking with the theory of minimum action: each design principle becomes small steps that are contextual, sustainable and contagious, to change the culture from within.
People who have learned and facilitated with me
Nuria is an outstanding facilitator; her Design Thinking sessions take you into deep exploration.
Mara Ruiz, founder of Zeta Once
Her approach is deeply human: she conveys concepts with calm and warmth, in a way that really reaches the learners.
Felipe Bermejo Vega, director at Netmind
Her training style, very close to process facilitation, encourages group learning and individual development.
Marina Lorenzo Sánchez, Business Research at Materia Prima
Testimonials translated from Spanish.
About me
Where I come from
Art Conservation and Restoration
Retail
Fair Trade area of an NGO
My own business
Strategic service design and facilitation
Restoration left me with a way of looking: understanding the layers before intervening, and respecting what's already there.
Looking back, I realise I've always tried to understand the world by connecting pieces. Long before I came across design thinking, strategic service design or facilitation, I was already observing how the different parts of a situation fit together. When those disciplines arrived, I recognised in them my own way of thinking. Design was where all those parts of me finally made sense.
Today we can process huge amounts of information in minutes.
Building knowledge needs time to mature.
Understanding a problem comes from connecting interviews, conversations with the business and what was left unsaid.
That's where I want to keep contributing: in teams working on complex services that need to decide what's worth doing and how deep to go. This is how I do it:
1. I question the problem
Why solve it?
For whom?
What would doing it bring?
What would we create by not doing it?
2. I build the decision
Informed
Reflective
Cross-checked
Contextual
Critical
Flexible
3. I choose the path
Tackle it
Reframe it
Put the effort into something else
Because efficiency without effectiveness can turn out to be very costly.
How I use AI in my work
I use AI at many stages of my work, always with the same idea: I use it to process; the thinking is mine.
An example: analysing research
I limit it to my own sources.
I ask it for cross-profile comparisons where I sense it's worth digging deeper.
It gives them back and I decide how, and with what, to move forward.
What I never delegate: decisions
Which questions are worth asking.
What counts as a finding and what gets left out.
AI reads words, but it can't read what lies behind them. Nor was it there: it didn't see the gestures or the silences in the interviews, in the conversations with the business or in the ones I have with the team, which give meaning to everything else. I carry that context, and that's why I shape every conclusion and answer for it.
I'm cosmo-rural
I grew up in the centre of Madrid, and today my home is a village in Extremadura. I live between both worlds, and I need both.
I immerse myself in everyday local life
I've harvested olives, grown a vegetable garden, raised hens, baked traditional sweets with the village women and even driven a tractor. When needed, I help in the fields with irrigation, like any other farmhand.
I bring what I do best
I organised Recreo, a gathering in Navalvillar de Pela to talk about design, innovation, community and new ways of living in rural areas.
I work with the town council to tackle social issues through co-creation and participation.
I take part as an expert in entrepreneurship programmes such as Hackea tu Futuro, the Start programme at C-LAB Cáceres and Colabora Almendralejo, and in AJE Extremadura gatherings.
I need the cosmo
I'm inspired by the diversity of big cities: the mix of cultures, people and ideas.
I find it in food, the arts, dance, culture in general and even sport.
That openness feeds my own, and I bring it back to the village and to my work.
At home, two dogs rescued from the street are waiting for me and, right now, a third one I'm fostering.
That search for balance runs through everything I am: connection and disconnection, movement and stillness, company and solitude, discovering and consolidating. It's also how I understand health: as a whole, where body, mind and relationships are cared for together. I've run mountain and obstacle races, and I've learned that stopping is part of the journey too.
Boundless curiosity
My training tells the same story: from classical ballet and woodcarving to window dressing, from retail and corporate social responsibility to service co-design, facilitation and behavioural science. Each discipline has added a different way of looking. I even trained as a dog groomer to do the contextual research for Qué Guapos, my own business: I learned the trade and analysed the service from the inside.
Service design, innovation and behaviour
Postgraduate in Service Co-design (in-mocion) | Prototyping: journey & blueprint (in-mocion) | Behavioral Specialist (The Behavioral School) | Behavioral Science for UX Writers (Posso) | UX Writing (Posso) | Innovation Process (UXER School)
Facilitation and business
Art of Hosting (Hub Madrid) | Postgraduate in CSR Management (IE Business School)
Crafts, body and care
Diploma in Art Conservation and Restoration (Instituto Oeben) | Technician in Window Dressing and Merchandising (Madrid Chamber of Commerce) | Master's in Nutrition (University of Granada) | Dog grooming | Animal Flow | MovNat | Classical ballet (Royal Academy of Dance)
The challenge was to understand an experience marked by uncertainty, hard-to-predict timings, little space and a heavy emotional load, and to turn it into services that were both desirable and viable.
Sector
Healthcare
My role
Service design, in tandem with another service designer, from research through to testing with patients
Year and duration
2019 | Three months
Methods
Contextual research, interviews with patients and professionals, questionnaires, co-creation with prototypes and concept testing with patients
My contribution
Identifying the moments in the experience where we needed to intervene, making visible that many of them originated in the hospital's internal workings, and designing, with its teams, the service responses for the part that fell within the project.
Where the wait was being made
In the back
Patients booked at the same time and consultations starting late because of meetings or emergencies.
The delay spreads
Each mismatch built up all the way to the day hospital.
In the front
The patient experiences the wait before treatment without seeing where it comes from.
The scope that came out of the finding: the hospital took on its internal processes; we took on the patient's visible experience.
The case in a minute
12patients
7professionals
19questionnaires
7service concepts
2put into practice
Challenge
Improve the experience of people undergoing cancer treatment at the day hospital of a public hospital.
Finding
Much of what patients experienced as waiting was generated by the hospital's internal processes.
What we did
We researched three moments (the wait before the appointment, the treatment and leaving), co-created prototypes with hospital staff, turned them into 7 service concepts and tested them with patients.
Result
Two of those concepts were put into practice.
My role and working in tandem
I worked with another service designer and we did everything between the two of us:
Exploratory research and interviews
Data analysis and modelling
Diagnosis and presentation of findings
Designing and running the co-creation
Testing with patients
The twist: the wait was being made in the back
We were looking for improvement moments in the patient experience and found that many of them originated outside it. Each of these mismatches lengthened the wait before treatment:
There were patients booked at the same time.
There were doctors arriving late to their clinics because their schedule clashed with a team meeting or an emergency.
Patients received in the front the end result of a chain of back-office decisions they couldn't see.
Of the whole project, this is the part that interested me most: by mapping that chain we separated causes from symptoms and showed the hospital where part of the experience we wanted to improve originated.
A scope redefined by the finding
With the diagnosis on the table, the hospital decided to address the internal processes itself and steered our work towards the front: what patients live and see at the day hospital. Knowing where the cause lay helped us design for what the service could actually change in the experience, without promising what depended on the internal organisation.
Co-creating with the people who sustain the service
We turned the findings into design challenges and prepared the co-creation with quality, medical and nursing staff. Prototypes were developed in those sessions. From them we shaped 7 service concepts, each with its description, the value it brought to patients and a customer journey.
Testing with patients
We took the concepts to oncology patients at the day hospital, drawn on paper and explained out loud. People gave feedback on each proposal, and that feedback helped choose which concepts to put into practice.
What changed
2 of 7concepts were put into practice at the day hospital.
The project moved from diagnosis to real changes in the patient experience.
The hospital gained an understanding of how its internal processes shaped the wait.
How I would assess the impact
Actual waiting time and how patients perceive it.
% of patients who know what will happen, how long they will wait and who to turn to with a question.
Wellbeing, support and ability to make decisions as perceived throughout the care journey.
Interruptions during appointments and handover time between professionals: how often care is interrupted to coordinate and how long it takes patients to move from one service to the next.
What I take away
What patients experience as an experience problem often originates in how the service is organised internally.
Designing the front without looking at the back is treating the symptom.
If I did it today
I'd propose from the start a service blueprint connecting each patient moment with the internal processes that shape it.
I'd document the impact of those processes on the wait, so the part the hospital took on had a measurable starting point.
A bank wanted to help people save for their first home with a dedicated account. Once people saw it in full, its benefits fell short, and the research led the team to stop and rethink the product.
Sector
Banking
My role
Strategic product research as an embedded researcher: segmentation, value proposition by profile and recommendations
Year and duration
2026 | A month and a half
Methods
In-person and remote focus groups
My contribution
Segmenting first-time buyers by housing market pressure, purchase timeframe and financial literacy, and defining for each profile what role the bank should play (facilitator, catalyst or optimiser), what in the proposition connected with them and what was missing.
How the product evolved over the study
First phase
A relevant need, but an insufficient response.
The team stops and rethinks
Based on the findings and recommendations from the first test.
Second phase
What each person valued: saving, access to housing, experience and tools.
Key learning: people saw the account and the mortgage as parts of one journey towards buying a home.
The case in a minute
2evaluation phases
3weeks per phase
3dimensions of the offer
3profiles
Challenge
A bank wanted to attract young customers and increase mortgage uptake through an account for saving towards a first home.
My role
Researcher implant in two concept evaluation phases: I defined the objectives, prepared and moderated every focus group, and analysed and synthesised the information to build the recommendations.
Finding
A gap between a relevant need and a product that offered little value. People saw the account and the mortgage as parts of the same journey towards buying.
Result
The team halted the project and reshaped the offer. In the second evaluation I pinpointed which features to prioritise for each audience and raised the need to bring in the Mortgages team.
A business opportunity linked to a real need
The bank
Start a relationship with young customers while they save and accompany them through to taking out a mortgage.
People
Buy their first home in a context of uncertainty about how much to save, what they could buy and what financing they would get.
Before continuing with the product, the research had to:
Understand interest in the offer and how it was interpreted.
Detect barriers.
Identify opportunities for improvement.
My responsibility and working with the business
My responsibility was to:
Translate business objectives into concrete questions for each phase.
Prepare the sessions and moderate every group.
Carry out the data capture, the cross-profile comparisons, the analysis and the synthesis behind the recommendations.
I worked with the team in charge of savings and with an in-house colleague in each phase. They handled communication with other people in the bank and built the presentations from the analysis. We presented the findings to the business and continued the conversations from their questions.
Researching with limited time and different buying contexts
Each phase took three weeks. In the second:
SessionsWeek 1
Analysis and synthesisWeek 2
DeliverableWeek 3
Method: focus groups, to explore a sample with different profiles within that timeframe. The first phase was in person and the second remote, with smaller groups.
Cross-cuts: in the second evaluation, buying timeline, saving capacity and housing-market pressure in each city. During the analysis I also looked at differences in financial literacy.
Exercise: to capture the first reaction, people noted their impressions and questions individually before sharing them. Then we explored the concept step by step, from the value proposition to its features.
Moderation: I aimed to balance participation and dig deeper when the conversation settled on a shared answer. Group interaction remained a limitation of the method.
First phase: a relevant need, an insufficient response
People valued the bank taking an interest in access to housing. However, once they saw the full product, their interest dropped:
The savings benefits were not distinctive enough.
The link with the future mortgage lacked the clarity they expected.
The study led the team to halt the project and rethink the offer.
The redesign started from the findings and recommendations of the first test, and the new version came back to me for evaluation.
Second phase: understanding what each person valued
A decisive moment in the analysis was understanding that opening the account made sense because of how it brought people closer to buying and to financing. If part of the benefit depended on signing a future mortgage, people needed to know its conditions to weigh the commitment.
I organised the offer into three dimensions:
SavingHow it helped build the capital needed, with a savings goal and a cap on interest-earning savings.
Access to housingWhat certainty and support it offered to get financing and buy.
Experience and toolsHow it made it easier to understand, plan and follow the process, with support from a financial coach.
With this structure I could link the recommendations to the audiences the business could prioritise. For example:
The cap on interest-earning savings created more friction in cities with high housing-market pressure.
Financial coaching was more valuable for those starting out and needing guidance than for those who already had a plan and more financial knowledge.
From those cross-cuts, my colleague and I defined three profiles and, for each one, what role the bank should play: facilitator, catalyst or optimiser. As it stood, the offer mainly connected with one; the other two showed where to grow.
Three profiles, three roles for the bank
Connects today
The bank as facilitator
“It supports me and helps me prepare financially to buy a home.”
Profile
Medium or low housing market pressure, and buying in the short to medium term.
What connects
Interest on savings, high financing, a personal adviser and a pre-approved mortgage certificate.
What they need
Knowing the mortgage terms.
Where the opportunity lies
The bank as catalyst
“It supports me and helps me start building my plan for a home.”
Profile
Lower financial literacy, and buying in the long term.
What connects
High financing, a personal adviser and a pre-approved mortgage certificate.
What they need
A simulator and a space to plan their home.
The bank as optimiser
“It helps me make the most of my ability to buy a home.”
Profile
High housing market pressure, and greater financial literacy.
What connects
Interest on savings, high financing and a pre-approved mortgage certificate.
What they need
Knowing the maximum amount covered by the offer, and the mortgage terms.
The opportunity lay in adapting the features to the needs of the chosen audience and making the whole journey coherent.
What changed
The research helped halt and reshape the initial offer.
The second phase left concrete recommendations and alternatives to guide decisions according to the priority audience.
At the presentation, the head of savings highlighted that the deliverable showed him what to act on and how. He also voiced the need to bring in the Mortgages team to address the conditions the account's value depended on.
My work went up to the presentation of the second phase; development and launch continued within the bank.
How I would assess the impact
% of interested people who open the account, by profile.
Accumulated balance and continuity of contributions, especially if interest conditions improve.
People who set a savings goal and progress towards it, and how useful they find the financial coach's recommendations.
% of account holders who move towards a mortgage application, and understanding of mortgage conditions.
What I take away and what I'd explore next
This project strengthened my interest in researching the relationships between products, teams and moments of an experience.
Seeing it as a complete journey made my recommendations more useful for the business.
The team's openness and trust made the work rewarding, even with a tight deadline.
What I'd explore next
I'd go deeper into the connection between the findings and brand strategy: how to align the territory, the promise and the experience the service ultimately delivers.
Friendliness doesn't make up for repeating the problem
The team had defined what their customer service assistant should be like. Now they needed to know what people perceived when they heard it, and whether that personality matched what they expected from the service and the brand.
Sector
Telecoms
My role
Test design, research and analysis
Year and duration
2023 | One month
Methods
Listening test and two focus groups
My contribution
Turning a set of personality traits into a test that could evaluate them, and translating what we learned into specific guidelines for designing customer service.
What weighed most in how the assistant was perceived
Colloquial language
Depended on the person and the situation.
Personalisation
Brought recognition and trust.
Understanding and resolving
The foundation: friendliness didn't make up for having to repeat the problem.
The case in a minute
2pilot interviews
2focus groups of 5 people
4days of fieldwork
1month of study
Challenge
A telecoms company was redefining the personality of its customer service assistant. It needed to check whether it matched what people expected from the service and the brand identity.
My role
From the customer experience team, I designed a qualitative test based on listening to simulated conversations. I prepared the materials, coordinated their production and carried out the research and analysis.
Finding
Prioritise the ability to understand and resolve over playful turns of phrase.
Result
The findings guided the redesign of the flows and, later, I took part in tests with customers to evaluate how they worked.
Evaluating how a designed personality is perceived
The team had defined the assistant's traits, its level of personification and priority service situations. My brief was to evaluate that work:
What people perceived when they heard it.
Which behaviours explained that perception.
How it fitted their expectations of the service and the brand.
The channel evaluated was the IVR, the voice system that answers when someone calls customer service. The test focused on the personality perceived when listening to conversations. Participants did not interact with the system during this test.
Clarifying the brief before building the test
I started from a personality definition created by another team. I analysed the documentation and agreed with its authors what they expected to learn from the test.
The questions I raised helped the team sharpen the objectives. That's how I translated abstract attributes into behaviours people could recognise and assess.
There was no existing test to evaluate whether a designed personality matched what customers expected from a telco's customer service: I looked for references and asked colleagues, and found none I could apply. So I designed a specific exercise and tested it before taking it to group sessions.
A listening test with two readings
We prepared recordings simulating conversations between customers and the assistant in the selected use cases. Some colleagues helped record them.
To make observation easier, I suggested imagining we were overhearing a conversation and describing the people in it through what they said and how they said it. The test had two stages:
1. Open perceptionAfter each conversation, people individually wrote down the adjectives the assistant suggested to them and explained which behaviours had led them to choose them. Then they summed up their perception and assessed the fit with the service and the brand.
2. Checking the intended traitsThey listened to conversations and chose between sentences representing different perceptions of the defined traits, explaining why.
Starting with the open description captured their own words before introducing the evaluation options. Individual note-taking also helped capture impressions before the group discussion.
Checking the exercise before the group work
Two pilot interviews. The test worked well and we could take it to two focus groups of five people each, without reworking the exercise after the pilot.
Two types of group: customers who sought human contact when they called, and customers who preferred digital channels and used the phone when they needed to.
One month of study: four days of fieldwork and about two weeks of analysis.
Deliberate variations: conversations and some stimuli varied between groups, to observe the assistant in different situations. So interpretations took into account the case heard as well as the profile of the person assessing it.
Which behaviours added value
With the analysis I pinned down the weight of the dimensions the team had defined for the assistant:
Understanding and resolving: the foundationPeople valued it understanding their query, using the information available and giving a useful, quick answer.
Personalisation: recognitionUsing what the company already knew about the customer could build trust and avoid unnecessary questions. For some, it helped them feel treated as a specific person.
Colloquial language: depending on contextPlayful touches could bring warmth when they suited the situation, but could also feel forced or annoying. It depended on the person's preferences and the context of the query.
Friendliness didn't make up for a conversation that forced people to repeat their problem without moving forward.
My contribution was to evaluate those dimensions and ground their priority in participants' perceptions.
From finding to redesigning the conversation
The findings helped the team specify which behaviours had to be covered when implementing the new IVR.
One concrete change: confirming understanding
After the person explained their problem, the assistant rephrased what it had understood and asked whether it was correct before continuing. This responded to a recurring frustration: feeling the system didn't understand the query and made you repeat it.
As the flows were redesigned and implemented, I took part in tests with customers to check how they worked. The study translated into design priorities and concrete assistant behaviours.
How I would assess the impact
% of intents the assistant identifies correctly and confirms with the user.
% of queries resolved without transfers and without the user contacting again about the same issue.
Repetitions, rephrasings and time to resolution.
Feeling understood, trust and a tone suited to the user's situation.
What I take away
The main challenge was building a test from a brief that still needed defining. By understanding the previous work and asking questions, I aligned what the team wanted to convey with what it needed to evaluate.
The experience strengthened my confidence in piloting as a way to test a methodological approach.
It also reminded the team that defining the objective of a test needs its own space for reflection.
The exercise worked as we expected, because we had already tested it in the pilot interviews, and it helped prioritise the attributes of the service.
The bank wanted to grow in loans of more than five years, with little room to compete on price. The research showed how much it mattered to feel secure about taking on that commitment: understanding the terms, knowing the repayments fitted and being able to validate the decision when doubts arose.
Sector
Banking
My role
Leading the research as an embedded researcher
Year and duration
2026 | Two months
Methods
20 in-depth interviews
My contribution
Connecting behavioural patterns with growth opportunities, and helping teams decide how to improve the experience of taking out a loan.
The tension the research made visible
What people needed
Specialised human support to decide with confidence.
tension
Another priority for the bank
Reducing calls to customer service.
The conversation led to distinguishing between needs. Where support had to be human, keep it. For more experienced people, explore how digital channels could offer help that explains and validates.
The case in a minute
20in-depth interviews
2months
2behavioural axes
4archetypes
Challenge
A bank needed to identify which levers to pull to grow its share of long-term personal loans.
My role
I led the research for two months as an implant in the research and design team: exploratory qualitative research into how the need arose, how financing was chosen and what created security or uncertainty.
Finding
Price mattered, and so did knowing they had properly understood what they were taking on.
Result
The report guided changes to the experience and became the basis for agreeing co-creation work between the business, Journey and the design teams.
My role and working with the team
I agreed the hypotheses with the loans team and translated them into research objectives.
I selected the profiles, coordinated recruitment and wrote the discussion guide.
I carried out most of the interviews, the analysis, the models and the recommendations.
A colleague supported some interviews and the production of the deliverable.
I joined the bank with the project already under way: in the first few days we were launching recruitment and preparing the interviews. I got to grips with the business context, studied the competition and absorbed the available information as the project moved forward, and shaped the brief in meetings with the business.
Understanding taking out a loan, and the decision not to
We carried out 20 in-depth interviews with:
People with experience of loans.
People who had taken out their first loan.
People who had not yet applied for one, although they had been in situations where they might need it.
We included the bank's customers and non-customers, as well as cases of car financing at the dealership. The sample allowed us to explore different relationships with debt. The interviews covered life context, how the need arose, the application journey, what they considered when choosing, perception of banks and unmet expectations.
The depth of the conversations helped us understand decisions within each person's circumstances.
Building models from the patterns
I organised the analysis by objective, working with people's own words, synthesis and the tensions between their stories. I gradually identified differences in the need for support, the expected speed and the degree of understanding and validation they needed to decide.
I tried several ways of organising those patterns until I found the two axes that explained the differences in behaviour: previous experience with loans and the need for control. With them:
I built four behavioural archetypes.
I modelled the journey from entering the process to after signing.
Two axes, four archetypes
Need for control
Less experience More control
More experience More control
Less experience Less control
More experience Less control
Previous experience with loans
The need for control could change depending on the moment and situation of the same person.
The models made it possible to link the findings to experience decisions: what to explain, where to offer support and which frictions could hold progress back. In some cases a check gave reassurance; in others, when there was urgency, it interrupted the process.
Feeling secure about taking on the commitment
For the people interviewed, a loan of more than five years was seen as a significant commitment. Because of its length and the amount received, it demanded responsibility and created security needs reminiscent of taking out a mortgage.
Price mattered, and so did knowing they had properly understood what they were taking on.
The research put the focus on uncertainty: fear of getting it wrong, doubts about the total cost or difficulty judging whether the instalment and term fitted.
Human support could help people choose or validate a decision. Those with less experience needed more explanation and support. Others needed to resolve a specific question to continue. The recommendation was to adapt support to behaviour and to the moment in the journey.
Being there when the decision is made
The car financing cases showed the weight of context. At the dealership, financing was offered alongside the purchase, with a person available and an immediate solution. Leaving that experience to check another bank added effort at a moment of urgency.
Opportunities
Be present before or during the decision.
Make the loan's feasibility visible.
Make applying quick and easy.
What I also recommended
Explain the instalment, term and total cost together and clearly.
Translate advantages such as no fees into an understandable benefit.
A recommendation that clashed with another priority
The loans team received the need for specialised human support with reservations because of its cost. In addition, another strategic priority of the bank was to reduce calls to customer service. The research made visible the conflict between that priority and the support some people needed to decide.
The conversation led to distinguishing between needs. Where support had to be human, it had to be kept. For more experienced people, the question opened up of how to offer, through the digital experience, help that played a similar role in explaining and validating.
My contribution was to substantiate the needs and opportunities, and relate them to the business constraints.
The findings as a basis for cross-team work
The loans team, Journey, my team and UX/UI took the report as a basis for action.
They started experience-related changes and agreed co-creation sessions to design tools and iterations aimed at reducing uncertainty.
Work then began on a simulator.
My work went up to the report that served as the basis for that cross-team work; the simulator was designed in a later phase.
How I would assess the impact
% of users who go from exploring to taking out a loan, by profile and channel.
Understanding of the total cost and conditions, and confidence to make the decision.
% of users who resolve their questions and move forward, with or without human help.
Drop-offs, repeated queries and time to complete the application.
Turning the analysis into an executive read
To present the findings, we adapted the report to the bank's style. We simplified the detail and strengthened an action-oriented executive read. The work consisted of prioritising the messages and making their business implications visible.
I saw that synthesis as part of the work of translating research into the decision context: the team needed to identify where to intervene and for what purpose. The executive read brought the learnings into the conversations between teams.
What I take away
The project highlighted the need to work on experience opportunities together with business constraints. Human support met identified needs, but was in tension with the goal of reducing calls and their cost.
In that conversation we distinguished where human support had to be kept and where to explore help through the digital experience.
I take away the value of building models that help make those decisions. By relating previous experience, the need for control and the application context, I pinned down what support people needed and guided the teams' later work.
Some friction protects. In the research, certain checks gave people reassurance even if they made the process longer. Asking for documents and checking ability to pay prevents someone from taking on a loan they can't repay. The useful question is which friction to remove, which to keep and for whom.
In a public sector project, the stakeholders shared a purpose: getting useful, specialised training to workers. Differences in interests and political positions made agreements and joint work between organisations difficult. We needed to understand those frictions and prepare a process in which they could build solutions together.
Sector
Public sector
My role
Research, analysis and methodological design of the co-creation sessions
Year and duration
2023 | A month and a half
Methods
Interviews, a focus group and co-creation sessions
My contribution
Connecting what we learned in the research with a collaboration process that helped stakeholders with different positions turn ideas into concrete proposals and feel part of the solutions.
The co-creation journey I designed for the first challenge
Generating and selecting ideas
Design principles
First prototype
Feedback from other teams
Iteration
Second version and action plan, with timings, blockers and drivers
The case in a minute
2challenges
5in-depth interviews
1focus group
3activities redesigned
Challenge
A public-sector body working in vocational training commissioned two challenges from us: improvements and consensus in grant calls, and the working processes with sector committees made up of employer and trade union representatives.
My role
Designing the co-creation sessions and their run sheets, research, and supporting the colleague who facilitated the sessions.
Finding
The stakeholders shared the goal, but political and ideological differences added confrontation and made agreements hard to reach.
Result
In about two months, a diagnosis, maps and co-created proposals with prototypes and action plans, ready for the organisation to decide what to implement.
My role in both challenges
Designing the co-creation sessions and their run sheets.
Supporting facilitation: I prepared my colleague to lead the sessions and supported him by reviewing between sessions and analysing the results afterwards.
Research: interviews, data capture, analysis and synthesis. We wrote the research guides and the diagnosis maps together; he handled communication with the client.
Listening first-hand: I did interviews to hear directly from the people involved in the processes we were working on. That contact helped me understand their perspectives and bring them into the design.
Understanding the system before proposing improvements
Stakeholder map
Technical unit of the public body
Sector committees: employer representatives
Shared goalUseful, specialised training for workers and companies
Sector committees: trade union representatives
Technical assistance teams of the organisations
Training providers, including small or specialised ones
Workers and companies receiving the training
Same goal, different priorities and points of view on how to achieve it.
First challenge | Grant calls
Five in-depth interviews and a focus group to understand stakeholders' motivations, their relationships and the difficulties of the process. We built a diagnostic journey linking the phases of the process with the stakeholders, their needs and the possible effects on the people who would receive the training.
Second challenge | Committees
We researched the work of the sector committees, the organisations' technical assistance teams and the body's technical unit. The diagnosis identified communication difficulties, bureaucratic burdens and differences in resources that affected how quickly they could work.
The journey helped make visible how administrative and coordination decisions could shape the training on offer.
A shared goal across different positions
The research showed that the stakeholders agreed on meeting the training needs of workers and companies. They defended different priorities and points of view on how to do it. In this public-sector context, political and ideological differences between the parties added confrontation to the conversations and made it hard to build agreements.
Grant calls: the findings pointed to barriers for small or specialised providers and tensions between the assessment criteria and training quality. We reframed the challenge to work on a specific part of the process: how to favour, through the design of the application, providers offering specialised, high-quality training.
Committees: the work focused on three activities (the sector reference plan, the occupations map and the assessment reports). Co-creation would make it possible to review the flows and specify which tasks belonged to each stakeholder.
Designing the conditions for working together
The teams brought together people from the different parties involved. The intention was for them to build the proposals together and feel ownership of the solutions. That shared authorship aimed to encourage commitment to putting them into practice.
As well as the tools, we prepared the mindset with which the process would be applied. Before starting, we worked on golden rules that made collaboration behaviours concrete: “build on others' ideas”, “avoid phrases that close down options”, “don't fall in love with your own idea” and “one conversation at a time”.
We appointed guardians of the rules within the teams. Each person took responsibility for reminding the group of one or more rules when needed. Looking after the dynamic thus also became the participants' task, with the facilitator's support.
The aim was to be able to work with the frictions and use what they revealed about the group.
The rules offered a shared language to point out behaviours and get back to work without making every disagreement personal.
Shaping and testing the proposals
First challenge: I designed a journey of generating and selecting ideas, design principles, a first prototype, feedback from other teams and iteration. The teams closed with a second version and an action plan including timings, blockers and drivers.
Second challenge: the journey was adapted to process redesign. The teams defined principles and a first version of the workflow, received feedback and produced a new version and its action plan. The instructions helped specify activities, owners and timings.
Holding our independence in the face of resistance
The findings were not equally comfortable for every party. When we started sharing some results, we met resistance that also affected our relationship with certain participants. As an external team, our responsibility was to make the frictions visible with rigour and sensitivity, while staying independent from the interests at play.
That same responsibility extended to the design of the sessions:
Preparing an inclusive process.
Explaining how attitudes affected the shared work.
Supporting the facilitator in responding to difficulties.
What we left behind
A diagnosis of the grant call process.
Maps to understand the relationships between stakeholders.
Co-created proposals with design principles, prototypes and action plans.
New versions of the workflows for the selected activities, in the second challenge.
The deliverables gathered the proposals, the feedback and their iterations. They also recommended starting with feasible changes, testing them and measuring the results. The observable result of our work was turning the parties' perspectives into concrete materials the organisation could use to decide and move forward.
Our work went up to delivery; which proposals to implement was in the organisation's hands.
How I would assess the impact
% of prioritised proposals with an owner and next steps.
% of agreed actions launched on time.
Duplication, blockers and response times between stakeholders, and how they evolve.
Fewer incidents and less rework in the processes addressed.
What I take away
The importance of focusing on what is within my control throughout the project: rigorous research, sensitivity and independence when presenting findings, and designing the conditions for collaboration.
I look after that work, support the team and respond to resistance. Each person's reactions, their willingness to take part and the organisation's later decisions are theirs to make.
The experience strengthened my confidence in the process and in the craft. The research and co-creation phases offered a structure for hearing different perspectives, making problems visible and building proposals. My job was to hold that structure professionally, even when the results caused discomfort.