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Euro IA
Ends.
Joe Macleod. @mrmacleod @ClosureExp

closureexperiences.com
Closure Experiences:
Adapting and Designing for the End
Introduction &
Intentions of
the day?
Aims:
Get dark and reflect.
Laugh out loud and learn.
Joe Macleod. Closure Experiences.
1. Introductions and Intentions
2. Presentation about Closure Experiences
3. Sharing worst endings
4. Transaction Model Swap Shop
5. <br>
6. Descending Engagement
7. Designing Fear and Forgetting
8. <br/>
9. End of Debt Party
10. Aftermath Personas
11. Auditing Ends
12. Check out…
5 mins
20 mins
10 mins
35 mins
15 mins
35 mins
35 mins
15 mins
35 mins
10 mins
10 mins
10 mins
235
On-Boarding Off-Boarding
Usage
engagement
time
Starting Experiences Closure Experiences
Joe Macleod. Closure Experiences.
Closure
types
Afterm
ath
targets
Transaction
types
1.
3. 4.
D
escending
engagem
ent
2.
Postservice
personas
5.
Sharing goodbyes
Exercise: Sharing Goodbyes
Joe Macleod. Closure Experiences.
1. Discuss the worst goodbye you
have experienced.
Method
Duration: 10 mins

People: Partner/2
2. Discuss the best goodbye
you have experienced.
The end of a product, service or digital product.
Or maybe a relationship?
Maybe it was great and made you walk away
with a great sense of a complete journey and
experience?
Maybe it was awful, unjust, unbalanced and left
you feeling angry, sad or bad?
Maybe you just didn't notice it was over?
Transaction Model
Swap-Shop
1.
customer life cycle
life death
On-Boarding Off-BoardingUsage
Closure
Experiences
Joe Macleod. Closure Experiences.
awareness
consideration
selection / sign up
first time use continued use
transaction models closure models
Transaction Models
10
Transaction types
Joe Macleod. Closure Experiences.
The Transaction type establishes the relationship for the rest of the
service delivery and therefore characterises the Closure Experience.
Payment after
delivery
Payment
before delivery
Scheduled
payment Synchronous
Continuous
observation
restaurants, plumbers,
hairdressers, taxis
flights, trains, music
concert
gym membership, car
insurance, utility
payments
digitised services, pay-
as-you-go,
commissioned services
Google Maps,
Facebook, carriers
2 3 4 51
11
Transaction model swap shop
Joe Macleod. Closure Experiences.
Payment after
delivery
Payment
before delivery
Scheduled
payment Synchronous
Continuous
observation
restaurants, plumbers,
hairdressers, taxis
flights, trains, music
concert
gym membership, car
insurance, utility
payments, loan
repayments
digitised services, pay-
as-you-go,
commissioned services
Google Maps,
Facebook, carriers
Swap the model and service
Exercise: Transaction Model Swap Shop
Joe Macleod. Closure Experiences.
Pick an established provider.
Consider the current transaction model they use.

For example...
Restaurant = payment after delivery

Coach travel = payment before delivery
Utility company = scheduled payment
Pay-As-You-Go= synchronous payment
Google = continuous observation
Method
Duration: 35 mins

People: Groups 3-6
Changing the transaction
model will affect the character
of the service and subsequently
how in ends.



With your group pick a different
transaction model and apply it
to your chosen service.

Discuss the changes this would
make.
<br>15 mins
Descending
Engagement.
Joe Macleod. Closure Experiences.
2.
Joe Macleod. @mrmacleod closureexperiences.com
Descending Engagement.
5 act play, laid over Aristotle’s 3 act format.
“Closure in narratives attempts to
preserve the moral and social order
which would be threatened by endlessly
erring narratives.”
Elizabeth MacArthur. Extravagant Narratives
Joe Macleod. @mrmacleod closureexperiences.com Raiders of the Lost Ark
Richard Neupert. The End, Narration and Closure in Film
“Solid closure in conventional narratives
and histories satisfies individual and social
desire for moral authority, a purposeful
interpretation of life, and genuine stability”
Joe Macleod. @mrmacleod closureexperiences.com Carrie
Endings add
moral and social
order to
narratives.
Do we need this in our
consumer stories ?
Joe Macleod. @mrmacleod closureexperiences.com Shane
Joe Macleod. Closure Experiences.
engagement
time
Starting Experiences Closure Experiences
Dénouement
(untie)
Primary narrator
Messages and symbols
Actors and actions
Exercise: Descending Engagement
Joe Macleod. Closure Experiences.
engagement
time
Starting Experiences Closure Experiences
Primary narrator
Messages and symbols
Actors and actions
I am alive I am dying
Packaging
1st time use
Transaction
T&Cs
Telling the
story / dream
Dismantle
Funeral
Casket
Responsibility
handed over
Data
transferred
/ deleted
Emotional
reflection.
?
?
?
?
Exercise: Descending Engagement
Joe Macleod. Closure Experiences.
Taking the techniques used in traditional
narrative structures. Try to balance the Off-
Boarding with the On-Boarding.
What sort of indicators establish the service or
product. What type of narration does it use? What
sort messages and symbols? What sort of actors
and actions are happening?
Method
Duration: 35 mins

People: Small groups 3-6
1. Pick a service/digital product
2. Consider the On-boarding
narrative.
3. Construct an Off-boarding
experience that mimics /
reflects or compliments that
Exercise: Descending Engagement
Designing fear and
forgetting, in digital
Joe Macleod. Closure Experiences.
3.
Start ups
Joe Macleod. Closure Experiences.
Fail Fast >>>
Social: Unintended Consequences
Photo: Jamie SchuhJoe Macleod. Closure Experiences.
Lingering assets
Joe Macleod. @mrmacleod closureexperiences.com
Revenge porn
Share it.
Put it in the cloud.
Your on your own…
One in ten young women
have been threatened
with public posting of
explicit images in US.
Joe Macleod. Closure Experiences.
Data Society and the Centre for Innovative Public Health Research
Kevin Bollaert being prosecuted. http://www.news.com.au/
We are all hiding
Consumers are denying info requests
Rise of Centenarian - users putting in fake DOB, to
hide personal information.
Joe Macleod. Closure Experiences.
Digital Entertainment supplier
"People consider VPNs to be a niche tool, but they
are surprisingly widespread. As many as one in four
people use them."
Jason Mander, Head of Trends at GlobalWebIndex
Gratisography. via www.pexels.com
Closure Experienced by the User Obsolescence created by industry
Fear Bullied Context
Change
Exit Forgotten Exhausted
(functional)
Outdated
(technical)
Contractual
(service)
Uncool (stylistic)
Paranoid that the
digital service
provider knows
too much about
you, that too
much personal
information has
been disclosed to
them.
Trolled off,
individuals in the
community have
attacked the user.
User’s context
has changed,
which has an
impact on what
digital services
they use. Having
kids, moving
home, changing
jobs.
Provider has shut
down, sold out,
gone bust.
App deleted off
phone but
account still
active, unused
email accounts
that you have
forgotten about.
Gems in Clash of
Clans, PAYG credits.
Game completed.
Bit Rot’ - out dated
computer
applications and
their offspring files.
‘Vint Cerf, the Vice
President at
Google’
Flash, Silverlight.
T&Cs. Ending the
provision of a
service at the
completion or
termination of a
contract.
Skeuomorphic GUI
interface versus
flat.
Has close links to
Branding
28
Examples of common closure experiences the user has with digital.
And a further 4 of obsolescence driven by industry.
Joe Macleod. Closure Experiences.
Closure Experiences in Digital
Exercise : Designing fear and
forgetting, in digital
Joe Macleod. Closure Experiences.
Consider the ways that users experience endings
in digital. Much of the pace and reasoning around
endings is driven by commerce. The argument for
good storage, ability to search, could equally be
negatives for some peoples experience.
A better ending for the user would be a clear,
safe, and comfortable and an absolute closure
experience.
Method
Duration: 35 mins

People: Small groups 3-6
1. Pick a service/digital product
2. Create a dark, strange, sinister
user scenario ending.
Consider the awful situations people endure
lingering assets, killing far away rhino’s, lack of
mental health diagnosis, and a future of hiding
yourself.
This time in the style of a horror film.
End of debt party
3.
Joe Macleod. Closure Experiences.
Historically.
Bank account.
Average usage 26 years. pre 2008.
Life expectancy 73.Retire at 65Adult at 18 years Employment 45+ years
Mortgage. 20-30 years.
Pension. Entire working life.
Ends were rare in Financial Services.
Joe Macleod. Closure Experiences.
Short term products?
A study from Adobe finds that, on
average, mobile apps achieve half
their lifetime usage in the first six
months.
Adobe
7 day switch.
Legal expectation in UK.
Apps half-life within 6 months
Pensions. Technology, Legislation, and market
conditions have created opportunity
for quicker turnover of products.
Financial Services products end more frequently and quicker.
11 different pension pots
According to UK Department of Work and Pensions
Banking.
Technology.
According to Gallup, the average US citizen has 3.7 Credit Cards.
Credit Cards. 3.7 Credit Cards per US.
Usage of banking apps increased in UK from 10% in 2011 to 34% in 2015
Joe Macleod. Closure Experiences.
Now.
Bank account.
Engagement driven
through apps / tech
Mortgage.
Remortgage market
Pensions. 11 on average
Ends now common in
Financial Services.
Life expectancy 73.Retire at 65Adult at 18 years Employment 45+ years
Joe Macleod. Closure Experiences.
And we are LIVE!
Joe Macleod. Closure Experiences.
And we are DEAD!
Pensions
Pensions need to connect
a Starting experience and
a Closure experience over
decades.
1 in 4 of these pension
pots goes missing through
lack of contact.
Age Concern
Average of 11 employers in
our lifetime.
Department for Work and
Pensions UK
20s 65s40 years of v i s i b i l i t y
lifespan
Joe Macleod. Closure Experiences.
Thad Zajdowicz. CCJoe Macleod. Closure Experiences.
Credit cards
US household debt as of Q1
2016, is $132,086
www.nerdwallet.com
Credit cards US average $15,310
Consumer rewarded for more debt.
Never rewarded for paying back.
Gaming debt.
Not celebrating
good debt payers.
Mortgages
Jameslwoodward
There should be a period of
reflection and celebration.30 years of
payback shouldn't
end in a moment
Sadly debt is only celebrated, when more debt is added.
Paying off debt is not celebrated,
avoiding a Closure experience for the user.
Joe Macleod. Closure Experiences.
Joe Macleod. Closure Experiences.
1. Define the person. Who is the target for this.
What age, background, etc. Tell us there story.
2. What sort of debt?
Was it a mortgage? A massive car loan? Or do
they need to deal with a massive Credit Card
debt? Maybe its even the emotional debt they
owe there parents?
3. What sort of emotions have they gone
through over the course of the 25-30 years.
4. What sort of amazing, emotional ending
should they have?
Method
Duration: 35 mins

People: Small groups 3-6
How should such an enormous commitment end?
Many endings in stories have big group meetings of
people - weddings, funerals, parties. Is your event
the same?
Exercise: End of debt party
<br>15 mins
The
Aftermath
Persona
4. 5.+
42
Aftermath Targets
Joe Macleod. Closure Experiences.
Rebirth Reflection Rest
Released to take part in
another experience
Look back at a
wonderful experience
Provides an
opportunity to rest, a
moment of peace
Resentment
I could have made more
of that opportunity
Regret
I feel cheated, and its
someones fault.
Desirable Avoidable
On-Boarding
Usage
Off-Boarding
Where will your customer end up?
43
Target market data
Known/current
customer data
Post Service Personas
Based on departed customers
Current Personas
Fantasy? Reality?
Joe Macleod. Closure Experiences.
Post Service Personas
Vs
Joe Macleod. Closure Experiences.
1. Develop a persona that has just left
a product/digital/service
relationship.
2.What sort of Aftermath are they
experiencing?
Duration: 10 mins

People: Small groups 3-6
Exercise: The Aftermath Persona
Consider the emotions felt by them - the negative and
positive impacts they might be experiencing. 
Consider the actions a user might take as a result of the
leaving of a service. Maybe they would go to a
competitor, tell friends about their experience or discuss
it via social media.
Auditing
Ends.
Auditing Ends.
Joe Macleod. Closure Experiences.
Do you have
a conscious
ending?
Who is
empowered
from the
moment of
transaction?
How does the
service/
product
descend to
the end?
What type
of ending
do you
have?
How do you
dismantle
the service/
product?
Do you have
an Aftermath
Target?
1. 2. 3. 4. 5. 6.
Does your service / product
have a conscious endings
beyond that which is legally
expected.
Have you considered how
your customers to leave? Is
it easy? Are they held
captive?
A power relationship is
established at the moment
of transaction. This can be a
balanced, fair distribution
of power between supplier
and consumer.
Or a tyrannical power
relationship, where the
consumer loses out.
The outcome of this impacts
the remainder of the
relationship and therefore
its ending.
Human made narratives
have well thought through
endings. They reveal a
meaningful decent out of
the story.
Elizabeth MacArthur, in her
book Extravagant
Narratives says “Closure in
narratives attempts to
preserve the moral and
social order which would be
threatened by endlessly
erring narratives.”
In stark contrast, consumer
experiences have little
consideration to endings.
In Services, for example,
there are broadly 5 types of
Endings.
Time Out - 2 week holiday.
Credit Out - Pay As You Go.
Task/Event Completion -
Parcel delivered, boiler
fixed.
Withdrawal - Break the
contract, leave the film
early.
Lingering - A pension that
you no longer pay into. An
unused gym membership
Every service or product
relationship has some form
of content lingering.
Physical products can be
dismantled. Services and
digital products capture a
great deal of data about
consumers.
These lingering assets need
to be neutralised to protect
our future selfs. How would
you do it?
Endings usually end up
being a quick goodbye, and
then a bombardment of
emails with options on re-
engagement.
The aftermath for the
consumer and their
emotions, are considered
their own problem.
What would you like people
to think after they left?
What do you want your
departed consumer to feel?
Auditing Ends.
Joe Macleod. Closure Experiences.
Do you have
a conscious
ending?
1.
Does your service / product have a
conscious endings beyond that
which is legally expected.
Have you considered how your
customers to leave? Is it easy? Are
they held captive?
Auditing Ends.
Joe Macleod. Closure Experiences.
Who is
empowered
from the
moment of
transaction?
2.
A power relationship is established
at the moment of transaction.
Payment after
delivery
Payment
before delivery
Scheduled
payment
Synchronous
Continuous
observation
restaurants,
plumbers,
hairdressers, taxis
flights, trains,
music concert
gym membership,
car insurance,
utility payments,
loan repayments
digitised services,
pay-as-you-go,
commissioned
services
Google Maps,
Facebook, phone
manufactures,
carriers
The outcome of this impacts the remainder of
the relationship and therefore its ending.
Auditing Ends.
Joe Macleod. Closure Experiences.
How does
the service/
product
descend to
the end?
3.
Human made narratives have well
thought through endings. They reveal
a meaningful decent out of the story.
“Closure in narratives attempts to preserve
the moral and social order which would be
threatened by endlessly erring narratives.”
Elizabeth MacArthur.
In stark contrast, consumer experiences
have little consideration to endings.
Auditing Ends.
Joe Macleod. Closure Experiences.
What type of
ending do
you have?
4.
In Services, for example, there are
broadly 5 types of Endings.
Time out Credit out
Task/Event
completion Withdrawal Lingering
2 week holiday, 3
year degree, 1
year software
subscription,
Pay As You Go,
Points on your
driving license
Parcel delivered,
boiler fixed, car
serviced, concert
watched, operation
successful, money
transferred
Break the contract,
leave the film
early, end the
relationship,
A pension that you no
longer pay into. An
unused gym
membership
Endings in Products and Digital
have other aspects.
You can find these on the www.closureexperiences.com
Auditing Ends.
Joe Macleod. Closure Experiences.
How do you
dismantle
the service/
product?
5.
Every service or product relationship has
some form of content lingering. Physical
products can be dismantled. Services and
digital products capture a great deal of
data about consumers.
These lingering assets need to be
neutralised to protect our future selfs.
How would you do it?
Auditing Ends.
Joe Macleod. Closure Experiences.
Do you have
an Aftermath
Target?
6.
Endings usually end up being a quick
goodbye, and then a bombardment of
emails with options on re-engagement.
The aftermath for the consumer and their
emotions, are considered their own
problem.
What would you like people to think after
they left?
Joe Macleod. @mrmacleod. @ClosureExp www.closureexperiences.com
End.

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Ends. Closure Experiences workshop Euro IA.

  • 1. Euro IA Ends. Joe Macleod. @mrmacleod @ClosureExp
 closureexperiences.com Closure Experiences: Adapting and Designing for the End
  • 3. Aims: Get dark and reflect. Laugh out loud and learn.
  • 4. Joe Macleod. Closure Experiences. 1. Introductions and Intentions 2. Presentation about Closure Experiences 3. Sharing worst endings 4. Transaction Model Swap Shop 5. <br> 6. Descending Engagement 7. Designing Fear and Forgetting 8. <br/> 9. End of Debt Party 10. Aftermath Personas 11. Auditing Ends 12. Check out… 5 mins 20 mins 10 mins 35 mins 15 mins 35 mins 35 mins 15 mins 35 mins 10 mins 10 mins 10 mins 235
  • 5. On-Boarding Off-Boarding Usage engagement time Starting Experiences Closure Experiences Joe Macleod. Closure Experiences. Closure types Afterm ath targets Transaction types 1. 3. 4. D escending engagem ent 2. Postservice personas 5.
  • 7. Exercise: Sharing Goodbyes Joe Macleod. Closure Experiences. 1. Discuss the worst goodbye you have experienced. Method Duration: 10 mins
 People: Partner/2 2. Discuss the best goodbye you have experienced. The end of a product, service or digital product. Or maybe a relationship? Maybe it was great and made you walk away with a great sense of a complete journey and experience? Maybe it was awful, unjust, unbalanced and left you feeling angry, sad or bad? Maybe you just didn't notice it was over?
  • 9. customer life cycle life death On-Boarding Off-BoardingUsage Closure Experiences Joe Macleod. Closure Experiences. awareness consideration selection / sign up first time use continued use transaction models closure models Transaction Models
  • 10. 10 Transaction types Joe Macleod. Closure Experiences. The Transaction type establishes the relationship for the rest of the service delivery and therefore characterises the Closure Experience. Payment after delivery Payment before delivery Scheduled payment Synchronous Continuous observation restaurants, plumbers, hairdressers, taxis flights, trains, music concert gym membership, car insurance, utility payments digitised services, pay- as-you-go, commissioned services Google Maps, Facebook, carriers 2 3 4 51
  • 11. 11 Transaction model swap shop Joe Macleod. Closure Experiences. Payment after delivery Payment before delivery Scheduled payment Synchronous Continuous observation restaurants, plumbers, hairdressers, taxis flights, trains, music concert gym membership, car insurance, utility payments, loan repayments digitised services, pay- as-you-go, commissioned services Google Maps, Facebook, carriers Swap the model and service
  • 12. Exercise: Transaction Model Swap Shop Joe Macleod. Closure Experiences. Pick an established provider. Consider the current transaction model they use.
 For example... Restaurant = payment after delivery
 Coach travel = payment before delivery Utility company = scheduled payment Pay-As-You-Go= synchronous payment Google = continuous observation Method Duration: 35 mins
 People: Groups 3-6 Changing the transaction model will affect the character of the service and subsequently how in ends.
 
 With your group pick a different transaction model and apply it to your chosen service.
 Discuss the changes this would make.
  • 15. Joe Macleod. @mrmacleod closureexperiences.com Descending Engagement. 5 act play, laid over Aristotle’s 3 act format.
  • 16. “Closure in narratives attempts to preserve the moral and social order which would be threatened by endlessly erring narratives.” Elizabeth MacArthur. Extravagant Narratives Joe Macleod. @mrmacleod closureexperiences.com Raiders of the Lost Ark
  • 17. Richard Neupert. The End, Narration and Closure in Film “Solid closure in conventional narratives and histories satisfies individual and social desire for moral authority, a purposeful interpretation of life, and genuine stability” Joe Macleod. @mrmacleod closureexperiences.com Carrie
  • 18. Endings add moral and social order to narratives. Do we need this in our consumer stories ? Joe Macleod. @mrmacleod closureexperiences.com Shane
  • 19. Joe Macleod. Closure Experiences. engagement time Starting Experiences Closure Experiences Dénouement (untie) Primary narrator Messages and symbols Actors and actions Exercise: Descending Engagement
  • 20. Joe Macleod. Closure Experiences. engagement time Starting Experiences Closure Experiences Primary narrator Messages and symbols Actors and actions I am alive I am dying Packaging 1st time use Transaction T&Cs Telling the story / dream Dismantle Funeral Casket Responsibility handed over Data transferred / deleted Emotional reflection. ? ? ? ? Exercise: Descending Engagement
  • 21. Joe Macleod. Closure Experiences. Taking the techniques used in traditional narrative structures. Try to balance the Off- Boarding with the On-Boarding. What sort of indicators establish the service or product. What type of narration does it use? What sort messages and symbols? What sort of actors and actions are happening? Method Duration: 35 mins
 People: Small groups 3-6 1. Pick a service/digital product 2. Consider the On-boarding narrative. 3. Construct an Off-boarding experience that mimics / reflects or compliments that Exercise: Descending Engagement
  • 22. Designing fear and forgetting, in digital Joe Macleod. Closure Experiences. 3.
  • 23. Start ups Joe Macleod. Closure Experiences. Fail Fast >>>
  • 24. Social: Unintended Consequences Photo: Jamie SchuhJoe Macleod. Closure Experiences.
  • 25. Lingering assets Joe Macleod. @mrmacleod closureexperiences.com
  • 26. Revenge porn Share it. Put it in the cloud. Your on your own… One in ten young women have been threatened with public posting of explicit images in US. Joe Macleod. Closure Experiences. Data Society and the Centre for Innovative Public Health Research Kevin Bollaert being prosecuted. http://www.news.com.au/
  • 27. We are all hiding Consumers are denying info requests Rise of Centenarian - users putting in fake DOB, to hide personal information. Joe Macleod. Closure Experiences. Digital Entertainment supplier "People consider VPNs to be a niche tool, but they are surprisingly widespread. As many as one in four people use them." Jason Mander, Head of Trends at GlobalWebIndex Gratisography. via www.pexels.com
  • 28. Closure Experienced by the User Obsolescence created by industry Fear Bullied Context Change Exit Forgotten Exhausted (functional) Outdated (technical) Contractual (service) Uncool (stylistic) Paranoid that the digital service provider knows too much about you, that too much personal information has been disclosed to them. Trolled off, individuals in the community have attacked the user. User’s context has changed, which has an impact on what digital services they use. Having kids, moving home, changing jobs. Provider has shut down, sold out, gone bust. App deleted off phone but account still active, unused email accounts that you have forgotten about. Gems in Clash of Clans, PAYG credits. Game completed. Bit Rot’ - out dated computer applications and their offspring files. ‘Vint Cerf, the Vice President at Google’ Flash, Silverlight. T&Cs. Ending the provision of a service at the completion or termination of a contract. Skeuomorphic GUI interface versus flat. Has close links to Branding 28 Examples of common closure experiences the user has with digital. And a further 4 of obsolescence driven by industry. Joe Macleod. Closure Experiences. Closure Experiences in Digital
  • 29. Exercise : Designing fear and forgetting, in digital Joe Macleod. Closure Experiences. Consider the ways that users experience endings in digital. Much of the pace and reasoning around endings is driven by commerce. The argument for good storage, ability to search, could equally be negatives for some peoples experience. A better ending for the user would be a clear, safe, and comfortable and an absolute closure experience. Method Duration: 35 mins
 People: Small groups 3-6 1. Pick a service/digital product 2. Create a dark, strange, sinister user scenario ending. Consider the awful situations people endure lingering assets, killing far away rhino’s, lack of mental health diagnosis, and a future of hiding yourself. This time in the style of a horror film.
  • 30. End of debt party 3.
  • 31. Joe Macleod. Closure Experiences. Historically. Bank account. Average usage 26 years. pre 2008. Life expectancy 73.Retire at 65Adult at 18 years Employment 45+ years Mortgage. 20-30 years. Pension. Entire working life. Ends were rare in Financial Services.
  • 32. Joe Macleod. Closure Experiences. Short term products? A study from Adobe finds that, on average, mobile apps achieve half their lifetime usage in the first six months. Adobe 7 day switch. Legal expectation in UK. Apps half-life within 6 months Pensions. Technology, Legislation, and market conditions have created opportunity for quicker turnover of products. Financial Services products end more frequently and quicker. 11 different pension pots According to UK Department of Work and Pensions Banking. Technology. According to Gallup, the average US citizen has 3.7 Credit Cards. Credit Cards. 3.7 Credit Cards per US. Usage of banking apps increased in UK from 10% in 2011 to 34% in 2015
  • 33. Joe Macleod. Closure Experiences. Now. Bank account. Engagement driven through apps / tech Mortgage. Remortgage market Pensions. 11 on average Ends now common in Financial Services. Life expectancy 73.Retire at 65Adult at 18 years Employment 45+ years
  • 34. Joe Macleod. Closure Experiences. And we are LIVE!
  • 35. Joe Macleod. Closure Experiences. And we are DEAD!
  • 36. Pensions Pensions need to connect a Starting experience and a Closure experience over decades. 1 in 4 of these pension pots goes missing through lack of contact. Age Concern Average of 11 employers in our lifetime. Department for Work and Pensions UK 20s 65s40 years of v i s i b i l i t y lifespan Joe Macleod. Closure Experiences.
  • 37. Thad Zajdowicz. CCJoe Macleod. Closure Experiences. Credit cards US household debt as of Q1 2016, is $132,086 www.nerdwallet.com Credit cards US average $15,310 Consumer rewarded for more debt. Never rewarded for paying back. Gaming debt. Not celebrating good debt payers.
  • 38. Mortgages Jameslwoodward There should be a period of reflection and celebration.30 years of payback shouldn't end in a moment Sadly debt is only celebrated, when more debt is added. Paying off debt is not celebrated, avoiding a Closure experience for the user. Joe Macleod. Closure Experiences.
  • 39. Joe Macleod. Closure Experiences. 1. Define the person. Who is the target for this. What age, background, etc. Tell us there story. 2. What sort of debt? Was it a mortgage? A massive car loan? Or do they need to deal with a massive Credit Card debt? Maybe its even the emotional debt they owe there parents? 3. What sort of emotions have they gone through over the course of the 25-30 years. 4. What sort of amazing, emotional ending should they have? Method Duration: 35 mins
 People: Small groups 3-6 How should such an enormous commitment end? Many endings in stories have big group meetings of people - weddings, funerals, parties. Is your event the same? Exercise: End of debt party
  • 42. 42 Aftermath Targets Joe Macleod. Closure Experiences. Rebirth Reflection Rest Released to take part in another experience Look back at a wonderful experience Provides an opportunity to rest, a moment of peace Resentment I could have made more of that opportunity Regret I feel cheated, and its someones fault. Desirable Avoidable On-Boarding Usage Off-Boarding Where will your customer end up?
  • 43. 43 Target market data Known/current customer data Post Service Personas Based on departed customers Current Personas Fantasy? Reality? Joe Macleod. Closure Experiences. Post Service Personas Vs
  • 44. Joe Macleod. Closure Experiences. 1. Develop a persona that has just left a product/digital/service relationship. 2.What sort of Aftermath are they experiencing? Duration: 10 mins
 People: Small groups 3-6 Exercise: The Aftermath Persona Consider the emotions felt by them - the negative and positive impacts they might be experiencing.  Consider the actions a user might take as a result of the leaving of a service. Maybe they would go to a competitor, tell friends about their experience or discuss it via social media.
  • 46. Auditing Ends. Joe Macleod. Closure Experiences. Do you have a conscious ending? Who is empowered from the moment of transaction? How does the service/ product descend to the end? What type of ending do you have? How do you dismantle the service/ product? Do you have an Aftermath Target? 1. 2. 3. 4. 5. 6. Does your service / product have a conscious endings beyond that which is legally expected. Have you considered how your customers to leave? Is it easy? Are they held captive? A power relationship is established at the moment of transaction. This can be a balanced, fair distribution of power between supplier and consumer. Or a tyrannical power relationship, where the consumer loses out. The outcome of this impacts the remainder of the relationship and therefore its ending. Human made narratives have well thought through endings. They reveal a meaningful decent out of the story. Elizabeth MacArthur, in her book Extravagant Narratives says “Closure in narratives attempts to preserve the moral and social order which would be threatened by endlessly erring narratives.” In stark contrast, consumer experiences have little consideration to endings. In Services, for example, there are broadly 5 types of Endings. Time Out - 2 week holiday. Credit Out - Pay As You Go. Task/Event Completion - Parcel delivered, boiler fixed. Withdrawal - Break the contract, leave the film early. Lingering - A pension that you no longer pay into. An unused gym membership Every service or product relationship has some form of content lingering. Physical products can be dismantled. Services and digital products capture a great deal of data about consumers. These lingering assets need to be neutralised to protect our future selfs. How would you do it? Endings usually end up being a quick goodbye, and then a bombardment of emails with options on re- engagement. The aftermath for the consumer and their emotions, are considered their own problem. What would you like people to think after they left? What do you want your departed consumer to feel?
  • 47. Auditing Ends. Joe Macleod. Closure Experiences. Do you have a conscious ending? 1. Does your service / product have a conscious endings beyond that which is legally expected. Have you considered how your customers to leave? Is it easy? Are they held captive?
  • 48. Auditing Ends. Joe Macleod. Closure Experiences. Who is empowered from the moment of transaction? 2. A power relationship is established at the moment of transaction. Payment after delivery Payment before delivery Scheduled payment Synchronous Continuous observation restaurants, plumbers, hairdressers, taxis flights, trains, music concert gym membership, car insurance, utility payments, loan repayments digitised services, pay-as-you-go, commissioned services Google Maps, Facebook, phone manufactures, carriers The outcome of this impacts the remainder of the relationship and therefore its ending.
  • 49. Auditing Ends. Joe Macleod. Closure Experiences. How does the service/ product descend to the end? 3. Human made narratives have well thought through endings. They reveal a meaningful decent out of the story. “Closure in narratives attempts to preserve the moral and social order which would be threatened by endlessly erring narratives.” Elizabeth MacArthur. In stark contrast, consumer experiences have little consideration to endings.
  • 50. Auditing Ends. Joe Macleod. Closure Experiences. What type of ending do you have? 4. In Services, for example, there are broadly 5 types of Endings. Time out Credit out Task/Event completion Withdrawal Lingering 2 week holiday, 3 year degree, 1 year software subscription, Pay As You Go, Points on your driving license Parcel delivered, boiler fixed, car serviced, concert watched, operation successful, money transferred Break the contract, leave the film early, end the relationship, A pension that you no longer pay into. An unused gym membership Endings in Products and Digital have other aspects. You can find these on the www.closureexperiences.com
  • 51. Auditing Ends. Joe Macleod. Closure Experiences. How do you dismantle the service/ product? 5. Every service or product relationship has some form of content lingering. Physical products can be dismantled. Services and digital products capture a great deal of data about consumers. These lingering assets need to be neutralised to protect our future selfs. How would you do it?
  • 52. Auditing Ends. Joe Macleod. Closure Experiences. Do you have an Aftermath Target? 6. Endings usually end up being a quick goodbye, and then a bombardment of emails with options on re-engagement. The aftermath for the consumer and their emotions, are considered their own problem. What would you like people to think after they left?
  • 53. Joe Macleod. @mrmacleod. @ClosureExp www.closureexperiences.com End.