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Oi

An experience that transform the relationship with money.

About

I'm a designer focused on product, brand & process.

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Oi

An experience that transform the relationship with money.

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The dynamism and experimentation of the music.

Archive

Selected pieces from old projects and personal studies.

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Oi

An experience that transform the relationship with money.

Context

In 2020, Oi invited Fjord to map the transactional journeys of its customers and define the panorama of the opportunity for new means of payment.

Map not the customer journey of Oi customers, but also the transactional journey, also looking for relevant moments for customers. In addition to understanding the needs of class C, unbanked and less digitized customers to generate new solutions that bring a differential to Oi.

Problem

Instability is constant in personal finances. Job without stability, inconstancy of housing, effects of the economic crisis. Factors that influence and relate directly to all areas of the interviewees' lives.

Social and financial life is interdependent, in the same way that the source of income is formed in multiple ways, social ties are also and consequently financial, sometimes due to lack, sometimes by choice.

Insecurity in making financial transactions on digital, the feeling of paying the bill physically and stapling the receipt on the account brings more security. It's easier to take control of your financial life by dealing with money physically.

Instability is constant in personal finances. Job without stability, inconstancy of housing, effects of the economic crisis. Factors that influence and relate directly to all areas of the interviewees' lives.

Social and financial life is interdependent, in the same way that the source of income is formed in multiple ways, social ties are also and consequently financial, sometimes due to lack, sometimes by choice.

Insecurity in making financial transactions on digital, the feeling of paying the bill physically and stapling the receipt on the account brings more security. It's easier to take control of your financial life by dealing with money physically.

Solution

An experience that unifies the financial ecosystem to transform the relationship with money. Through the management of integration and simplification of the flow of the family/social group with income cash resources. In addition to visibility and security in planning payments, debts and personal goals. And bring digitization to the customer world with elements of the physical world like instantaneity and receipt storage.

As a business, with upcoming opportunities to reduce costs and bad debts, bring in new sources of revenue, in addition to leveraging Oi's customer base and the age of small retail to offer small and relevant financial services.

An experience that unifies the financial ecosystem to transform the relationship with money. Through the management of integration and simplification of the flow of the family/social group with income cash resources. In addition to visibility and security in planning payments, debts and personal goals. And bring digitization to the customer world with elements of the physical world like instantaneity and receipt storage.

As a business, with upcoming opportunities to reduce costs and bad debts, bring in new sources of revenue, in addition to leveraging Oi's customer base and the age of small retail to offer small and relevant financial services.

Financial management of social groups

Management of integration and simplification of the flow of the family/social group with income cash resources. In addition to visibility and security in planning payments, debts and personal goals.

Imitating the real world

Bring digitization to the customer world with elements of the physical world like instantaneity and receipt storage.