@inproceedings{5cad40297538472f94fe6a1f0cd20c3a,
title = "User-originated innovation of mobile financial services",
abstract = "This paper presents a three-phased study in which new mobile financial services were designed iteratively in close co-operation with users and experts on finance. The studies utilized a web platform for open innovation and evaluation of new service concepts. The first study with quite raw concepts revealed needs and worries that were then taken into account in developing the concepts further. The second phase of the study included parallel design utilizing both student assignments and experts on finance. The most interesting and promising concepts from this phase were then selected in cooperation to be assessed by the consumers in the web platform. The different perspectives of the participants in the studies, and the iterative approach engaging potential users right from the beginning, helped us to enhance the quality of the new service concepts in a cost-effective way.",
keywords = "co-design, iterative design, mobile financial services, onlinde ideation, user involvement",
author = "P{\"a}ivi Heikkil{\"a} and Heli J{\"a}rventie-Ahonen and Sirpa Riihiaho",
year = "2013",
doi = "10.1007/978-3-642-39253-5_73",
language = "English",
isbn = "978-3-642-39252-8",
series = "Lecture Notes in Computer Science",
publisher = "Springer",
pages = "660--665",
editor = "A. Marcus",
booktitle = "Design, User Experience, and Usability. Web, Mobile, and Product Design",
address = "Germany",
note = "2nd International Conference on Design, User Experience, and Usability: Web, Mobile, and Product Design, DUXU 2013 ; Conference date: 21-07-2013 Through 26-07-2013",
}
