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www.nordkapp.fi 
@Nordkapp 
Mobile Wallet Pivo 
Service Design Achievement 2014 
Sami Niemelä 
Creative Director 
sami@nordkapp.fi 
@samin 
Jussi Juntunen 
Service Designer 
jussi.juntunen@op.fi 
#sda15
Nordkapp designs products and services which 
help our clients turn the internet into business and 
experiences people love to interact with. 
Nordkapp auttaa asiakkaitaan muotoilemaan internetistä 
liiketoimintaa, kuluttajapalveluita ja sovelluksia joita ihmiset 
haluavat käyttää päivittäin. 
www.nordkapp.fi 
@Nordkapp 
#sda15
www.nordkapp.fi 
@Nordkapp 
Old 
Service Design Product Design 
What we do? 
Why 
What How 
Insightful 
Strategic 
Visionary 
Lean 
Shipping 
Detailed 
Conceptual 
Inventive 
Forward looking
www.nordkapp.fi 
@Nordkapp 
Selected clients
Jussi Juntunen 
Service Designer 
Sami Niemelä 
Visual Lead, Product Design 
Jukka Koops, Timo Rostedt: Visual Design 
Reeta Laamo / Redanbtlue, icon production
Product owner 
Design & development 
1.0 Product Design 
Visual Design 
Marketing 
Naming 
Visual Identity 
Media agency 
#sda15
PO-TEAM 
Kristian Luoma 
Tuomas Jomppanen 
Jussi Juntunen 
Hanna Huusko 
Laura Kanniainen 
SOCIAL MEDIA 
Heli Piilola 
GRAPHICS 
Veera Lindholm 
ARCHITECT 
Petri Liimatta 
iOS CLIENT 
Antti Laitala 
ANDROID CLIENT 
Niko Rehnbäck 
Antti Kauppila 
WP CLIENT 
Johannes Tuomela 
Johannes Niemelä 
Markus Mörsky 
CORE SERVER 
Janne Lukkari 
Sami Setämaa 
Jukka Tuohimaa 
PARTNER SERVER 
Marko Taponen 
Inka Piippo 
Mika Lackman 
Jukka-Pekka Heikura 
Sami Iljin 
Mauno Vähä 
TESTING 
Mikko Valkama 
Pekka Mäki-Asiala 
Satu Parkkila 
Jukka Väyrynen #sda15
FINNISH MOBILE WALLET 
PLATFORM FOR MOBILE PAYMENTS 
FOCUS ON PURCHASE MOMENT, BEFORE AND 
AFTER ACTUAL PAYMENT 
ONE COMMON BRAND FOR OTHER BANKS AND 
PARTNERS TO JOIN 
#sda15
NO BUREAUCRACY 
NO HIERARCHY 
NO PROCESS 
NO BRAND 
NO NAME 
NO STYLE 
#sda15
#sda15
#sda15
#sda15
#sda15
INTERVIEWS 
USABILITY TESTS 
CONCEPT VALIDATIONS 
CONTINUING FEEDBACK 
#sda15
THE UI IS THE PRODUCT 
#sda15
ARTICULATED VISION FROM DAY 1. 
#sda15
#sda15
#sda15 
WELL DESIGNED
HUMAN 
#sda15
INTELLIGENT 
#sda15
CREDIBLE 
#sda15
#sda15
#sda15 
1.0 LAUNCH: MAY 2013
#sda15
#sda15
“One of the best and most useful apps 
I've seen. You'd think you don't spend 
any money but good thing Pivo tells 
the real truth!" 
—an iPhone Pivo user 
#sda15
OVER 
350 000 
DOWNLOADS 
#sda15
#sda15 
RIGHT PEOPLE DOING RIGHT THINGS 
LIGHT PROCESS/DOCUMENTATION 
PASSION FOR THE PRODUCT 
FREQUENT USER RESEARCH 
FAIL FAST, FAIL OFTEN 
WORK CULTURE 
STRONG VISION
#sda15 
1.0 2.0 …
#sda15
www.nordkapp.fi 
@Nordkapp 
Thank you! 
Sami Niemelä 
Creative Director 
sami@nordkapp.fi 
@samin 
Jussi Juntunen 
Service Designer 
jussi.juntunen@op.fi

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Building Pivo, the Finnish mobile wallet - Nordkapp - #sda15

  • 1. www.nordkapp.fi @Nordkapp Mobile Wallet Pivo Service Design Achievement 2014 Sami Niemelä Creative Director sami@nordkapp.fi @samin Jussi Juntunen Service Designer jussi.juntunen@op.fi #sda15
  • 2. Nordkapp designs products and services which help our clients turn the internet into business and experiences people love to interact with. Nordkapp auttaa asiakkaitaan muotoilemaan internetistä liiketoimintaa, kuluttajapalveluita ja sovelluksia joita ihmiset haluavat käyttää päivittäin. www.nordkapp.fi @Nordkapp #sda15
  • 3. www.nordkapp.fi @Nordkapp Old Service Design Product Design What we do? Why What How Insightful Strategic Visionary Lean Shipping Detailed Conceptual Inventive Forward looking
  • 5.
  • 6. Jussi Juntunen Service Designer Sami Niemelä Visual Lead, Product Design Jukka Koops, Timo Rostedt: Visual Design Reeta Laamo / Redanbtlue, icon production
  • 7. Product owner Design & development 1.0 Product Design Visual Design Marketing Naming Visual Identity Media agency #sda15
  • 8. PO-TEAM Kristian Luoma Tuomas Jomppanen Jussi Juntunen Hanna Huusko Laura Kanniainen SOCIAL MEDIA Heli Piilola GRAPHICS Veera Lindholm ARCHITECT Petri Liimatta iOS CLIENT Antti Laitala ANDROID CLIENT Niko Rehnbäck Antti Kauppila WP CLIENT Johannes Tuomela Johannes Niemelä Markus Mörsky CORE SERVER Janne Lukkari Sami Setämaa Jukka Tuohimaa PARTNER SERVER Marko Taponen Inka Piippo Mika Lackman Jukka-Pekka Heikura Sami Iljin Mauno Vähä TESTING Mikko Valkama Pekka Mäki-Asiala Satu Parkkila Jukka Väyrynen #sda15
  • 9. FINNISH MOBILE WALLET PLATFORM FOR MOBILE PAYMENTS FOCUS ON PURCHASE MOMENT, BEFORE AND AFTER ACTUAL PAYMENT ONE COMMON BRAND FOR OTHER BANKS AND PARTNERS TO JOIN #sda15
  • 10. NO BUREAUCRACY NO HIERARCHY NO PROCESS NO BRAND NO NAME NO STYLE #sda15
  • 15. INTERVIEWS USABILITY TESTS CONCEPT VALIDATIONS CONTINUING FEEDBACK #sda15
  • 16. THE UI IS THE PRODUCT #sda15
  • 17. ARTICULATED VISION FROM DAY 1. #sda15
  • 23.
  • 25. #sda15 1.0 LAUNCH: MAY 2013
  • 28. “One of the best and most useful apps I've seen. You'd think you don't spend any money but good thing Pivo tells the real truth!" —an iPhone Pivo user #sda15
  • 29. OVER 350 000 DOWNLOADS #sda15
  • 30. #sda15 RIGHT PEOPLE DOING RIGHT THINGS LIGHT PROCESS/DOCUMENTATION PASSION FOR THE PRODUCT FREQUENT USER RESEARCH FAIL FAST, FAIL OFTEN WORK CULTURE STRONG VISION
  • 33.
  • 34. www.nordkapp.fi @Nordkapp Thank you! Sami Niemelä Creative Director sami@nordkapp.fi @samin Jussi Juntunen Service Designer jussi.juntunen@op.fi