We are proposing to design every aspect of the experience, right from participant registration, choosing movies, booking tickets, the venue, networking at the event… Using a mix of technology and common sense! :-)

Just the process of making the proposal and explaining what could be done is extremely interesting. As an avid participant at IFFI for the last 5 years, I guess ‘research’ and ’studying user behaviour’ is well taken care of!

Tomorrow is the pitch. Lets hope that we get a chance to create a better Film Festival experience!

The Reserve Bank of India recently mandated that bank customers can use any ATM (not just their own bank’s) without any additional fee from April 1, 2009. Earlier, a bank would charge a customer anywhere between Rs.15 to Rs.50 for the use of ATMs belonging to other banks. This fee acted as a disincentive for customers to use the ATMs of other banks. In absence of this, customers will freely use any ATM.

When Bank A’s customer uses Bank B’s ATM, Bank B charges Bank A a usage fee of Rs.17-20. This was passed on to customers. Now that the bank cannot pass on this fee to the customer, it has to bear this cost for every transaction that its customers use another bank’s ATM for. A Bank with a small ATM network will be saddled with huge costs as customers start using the ATMs (of other banks) that are closer or more conveniently located.

“Influencing ATM Usage through Service Design” outlines how a bank can design its service to minimize the use of ATMs belonging to other banks by its customers. We analyze the different scenarios in which customers would use the ATMs of other banks and create a service model to deal with each scenario. We also studied the usage patterns and pain areas for customers in the current system to devise a new service that allows customers to record, track and account for cash expenditure, which otherwise appears as a single-line “ATM Withdrawal” entry in the bank statement, without providing any details of how the withdrawn cash was used.

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