scholarly journals El sistema de crédito digital para microempresarios en Colombia

2020 ◽  
Vol 23 (38) ◽  
pp. 6-37
Author(s):  
Lenin A. Muñoz G.
Keyword(s):  
Design Thinking ◽  
Value Proposition ◽  
El Sistema

Se presenta a continuación el Proyecto Aplicado Empresarial denominado ABI – Microcréditos. Emprendimiento en el sector fintech colombiano, que tiene como base la economía colaborativa y que busca constituirse en una estrategia sostenible contra los sistemas de crédito informal y como solución a las necesidades y requerimientos de crédito para la inversión en capital de trabajo de microempresarios; así como un esquema seguro y rentable de apoyo al desarrollo empresarial con base en un gran componente tecnológico y social. Para el presente proyecto se empleó como principal metodología de diseño, modelación y descubrimiento de la solución el Design Thinking, igualmente se recurrió a herramientas como el Value Proposition Canvas para depurar la estrategia de valor y el Buyer Persona para definir el arquetipo de lo que se consideraría como cliente del servicio. A partir de la implementación de estas metodologías y del proceso de empatizar con el problema, el usuario y la competencia, se configuró la solución ABI – Microcréditos. Para terminar se modelaron los principales supuestos del mercado y el impacto de estos sobre el comportamiento financiero del negocio, identificando los principales factores de sensibilidad de la situación financiera y el flujo de caja esperado del proyecto.

scholarly journals Processes and organizational innovation for small businesses

2019 ◽  
Vol 34 (62) ◽  
pp. 82-93
Author(s):  
Joaquim Jose Carvalho Proença ◽  
Fernando Jiménez Sáez
Keyword(s):  
Small Businesses ◽  
Dynamic Capabilities ◽  
Design Thinking ◽  
Organizational Innovation ◽  
User Innovation ◽  
Value Proposition ◽  
End User ◽  
Collaborative Processes ◽  
A Company ◽  
Innovation Processes

Dynamic capabilities to innovate can be acquired regardless of the size of a company, but this requires that users participating in innovation processes be identified (value proposition segments) and the way organizations interact with these users be understood (processes). Small businesses can innovate with fewer financial and human resources using Customer Discovery, environment scanning, immersion, customer journey mapping, Customer Validation with validation of ideas and solutions in dynamic group sessions, Gamification, Design Thinking and prototyping workshops. The methodology used herein is that of literature review in the areas of process, products and dynamic capabilities innovation of companies. The objective of this research is to explore innovative processes that take into account and involve greater user collaboration that small businesses can exploit, which are targeted at the end user. Innovation does not have to be uncertain or expensive and can be developed through organizational innovation and innovation of collaborative processes with users.

scholarly journals From Doing to Thinking: Developing the Entrepreneurial Mindset through Scaffold Assignments and Self-Regulated Learning Reflection

2019 ◽  
Vol 1 (1) ◽  
pp. 106-121 ◽  
Author(s):  
Lisa Bosman
Keyword(s):  
Value Creation ◽  
Design Thinking ◽  
Experimental Approach ◽  
Learning Experience ◽  
Critical Role ◽  
Value Proposition ◽  
New Approach ◽  
Self Regulated Learning ◽  
Business Model Canvas ◽  
Future Utility

AbstractEngineer, innovators, and designers play a critical role in the economy by addressing pressing problems and creating solutions that are new and innovative. It is a role that involves technical skills but also requires curiosity, an ability to connect pieces of knowledge to discover solutions, and a focus on value creation – which are all characteristic of the entrepreneurial mindset. There are many different design-focused frameworks that can be used to enhance the entrepreneurial mindset; this study focuses on four of them: systems thinking, design thinking, the value proposition canvas, and the business model canvas. The purpose of this paper is to highlight a new approach to developing the entrepreneurial mindset that goes beyond the proverbial “checking boxes” to providing an approach for demonstrating the integration of doing (artifact development) and thinking (reflection). This innovative and experimental approach offers two unique attributes. First, it is a scaffold in that instruction of each of the four modules builds on the other, further enhancing and grounding the learning experience. Second, students are required to continuously reflect on the process. This encourages students to think about learning in a holistic manner, allowing the ability to connect classroom learning with specific current and future utility. The findings suggest that students were able to recognize why the design-focused frameworks and learning activities were important outside of the classroom, particularly in relation to workforce preparation and securing future employment.

scholarly journals Key Success Factors to Increase Value Proposition in the Hospitality Industry

2019 ◽  
Vol 2 (1) ◽  
pp. 34
Author(s):  
Daniel Marco - Stefan Kleber ◽  
Tatjana Volkova
Keyword(s):  
Hospitality Industry ◽  
Success Factors ◽  
Design Thinking ◽  
Value Proposition ◽  
Customer Needs ◽  
Key Success Factors ◽  
Dynamic Markets ◽  
Research Article ◽  
Conceptual Study

Purpose of this conceptual study is the identification and analysis of key success factors to increase value proposition based on design thinking of hotel executives and value co-creation with customers in the hospitality industry. Globalized dynamic markets and ever-changing customer needs and demands require ongoing experimentation and communication to steadily identify customer needs and wants in order to adjust products and services to ensure an increase of value proposition. In this research article, the two-fold role of customers and hotel executives in value co-creation processes leading to an identification of key success factors of value proposition increase is analyzed. The article emphasizes the essential role of customers as contributors to value co-creation processes and hotel executives as contributors to the creation and delivery of value proposition. Superior value proposition can be achieved by understanding actual needs and demands of customers based on design thinking and comparing them to value proposition elements that are perceived as being important by customers. Following this approach, key success factors for enhancing value proposition are analyzed.

scholarly journals Value Proposition Design for Custom Clothing Startup Using Design Thinking Approach

2021 ◽  
Vol 21 (1) ◽  
pp. 89
Author(s):  
Astri Ghina ◽  
Nurul Afifah
Keyword(s):  
Qualitative Method ◽  
Design Thinking ◽  
Daily Activities ◽  
Service Users ◽  
Value Proposition ◽  
Sustainable Business ◽  
Market Needs ◽  
Survey Strategy ◽  
Depth Interviews

There are thousands of digital-based startups in Indonesia but only few have a sustainable business development. One of the reasons is the products created by startups are not in accordance with market needs. Fashion is one of the startups that has the potential to develop in the digital age, because it is one of the second largest subsectors that contribute to the Indonesian economy. In the field of fashion, especially in customized clothing, the main obstacle experienced by business participants is low competitiveness against those who owns a branded business. This is indicated by dissatisfaction with the quality of the service, which resulted in unfaithful users. This research aims to explore the interaction between custom clothing businesses and their users so that the concerns coming from both parties can be used as the basis for creating digital-based solutions. This research focused in exploring the interaction between tailors and sewing service users using a design thinking approach. Qualitative method is used in this research and information is gathered using survey strategy. Data collection is conducted by in-depth interviews with tailors and sewing service users. Observation is also used to understand the tailor’s daily activities. The result shows that there is concern between tailors and their users. Proposed idea as a digital-based solution is project management with transparent sewing service process that can be seen by sewing service users. This research is limited to the stage of formulating digital feature ideas which can be used as the basis for designing rapid prototypes. Validation of the prototype can be conducted in the next study.

scholarly journals “The Flow in the Funnel”: Modeling Organizational and Individual Decision-Making for Designing Financial AI-Based Systems

2021 ◽  
Vol 12 ◽  
Author(s):  
Alessandra Talamo ◽  
Silvia Marocco ◽  
Chiara Tricol
Keyword(s):  
Decision Making ◽  
Design Thinking ◽  
Cultural Psychology ◽  
Value Proposition ◽  
Individual Decision ◽  
Current Application ◽  
Organizational Goals ◽  
Complex Decision Making ◽  
Complex Decision ◽  
Financial Intelligence

Nowadays, the current application of artificial intelligence (AI) to financial context is opening a new field of study, named financial intelligence, in which the implementation of AI-based solutions as “financial brain” aims at assisting in complex decision-making (DM) processes as wealth and risk management, financial security, financial consulting, and blockchain. For venture capitalist organizations (VCOs), this aspect becomes even more critical, since different actors (shareholders, bondholders, management, suppliers, customers) with different DM behaviors are involved. One last layer of complexity is the potential variation of behaviors performed by managers even in presence of fixed organizational goals. The aim of this study is twofold: a general analysis of the debate on implementing AI in DM processes is introduced, and a proposal for modeling financial AI-based services is presented. A set of qualitative methods based on the application of cultural psychology is presented for modeling financial DM processes of all actors involved in the process, machines as well as individuals and organizations. The integration of some design thinking techniques with strategic organizational counseling supports the modeling of a hierarchy of selective criteria of fund-seekers and the creation of an innovative value proposition accordingly with goals of VCOs to be represented and supported in AI-based systems. Implications suggest that human/AI integration in the field can be implemented by developing systems where AI can be conceived in two distinct functions: (a) automation: treating Big Data from the market defined by management of VCO; and (b) support: creating alert systems that are coherent with ordered weighted decisional criteria of VCO.

scholarly journals Navegación autónoma para personas con discapacidad visual en espacios museográficos, basada en aplicaciones móviles Danny Zurc

Kepes ◽  
2019 ◽  
Vol 16 (19) ◽  
pp. 389-426
Author(s):  
Danny Zurc ◽  
Mauricio Arias-Correa ◽  
Jakeline Serrano-García ◽  
Edison Valencia-Díaz ◽  
Andrés Esteban Taborda Hernández ◽  
...  
Keyword(s):  
Problem Solving ◽  
Design Thinking ◽  
Creative Problem Solving ◽  
El Sistema ◽  
Creative Problem

La generación de estrategias de comunicación que permitan acercar al público con discapacidad visual a los museos se ha convertido en un desafío importante para la museología. Como respuesta a esta necesidad se diseñó, prototipó y evaluó un sistema de navegación para ambientes internos que permite a las personas con discapacidad visual acceder a exposiciones en el Museo de Ciencias Naturales de La Salle del Instituto Tecnológico Metropolitano (Medellín, Colombia). El procedimiento utilizado se presenta como una metodología con dos etapas. La primera consistió en el diseño y desarrollo del prototipo del sistema de navegación y la segunda consistió en la evaluación del sistema. El diseño del sistema fue el resultado de la adaptación de metodologías contemporáneas de innovación tales como el Design Thinking y el Creative Problem Solving (CPS), aplicadas al diseño de productos tecnológicos. Se desarrolló un prototipo funcional que incluía una aplicación iOS para teléfonos inteligentes, guías podotáctiles, auriculares de conducción ósea, detectores de obstáculos e identificadores de códigos QR. Durante la etapa de evaluación se llevaron a cabo experimentos en una de las salas del museo con 27 personas, quienes presentaban discapacidad visual. Los resultados indicaron que el sistema desarrollado es eficaz como herramienta de navegación y que proporciona información acerca de los especímenes en una exposición, lo que permite concluir que esta experiencia es replicable en otros entornos museográficos y en otros museos.

Design Thinking for Creating an Increased Value Proposition to Improve Customer Experience

ETIKONOMI ◽  
2018 ◽  
Vol 17 (2) ◽  
pp. 265-274 ◽  
Author(s):  
Daniel Marco-Stefan Kleber
Keyword(s):  
Content Analysis ◽  
Customer Value ◽  
Design Thinking ◽  
Customer Experience ◽  
Business Environment ◽  
Value Proposition ◽  
Core Elements ◽  
Value Propositions ◽  
Service Oriented ◽  
Conceptual Study

Purpose of this conceptual study is the identification of design thinking approaches and underlying logic for increasing the value proposition to improve customer experience in today´s dynamic and fast-changing business environment. Method of research based on content analysis of distinctive streams in the literature on design thinking for delivering the increased value proposition. Core elements of design thinking were identified and combined with service-oriented thinking logics aiming at providing superior value proposition and thus to improve customer experience. Furthermore, the article elaborates on the delimitation of Design thinking from Designerly thinking, and a new model for enhancing customer value propositions, the wheel of Design thinking, was developed based on core elements of Design thinking approaches. This approach has a potential to shape and redefine existing markets and to improve adjustment of products and services to dynamic customers´ needs and demands.DOI: 10.15408/etk.v17i2.7311

How to Create Successful Product or Service? Introduction in Design-Thinking for Project Management

2017 ◽  
Vol 6 (4) ◽  
pp. 36-43
Author(s):  
Лидия Борисова ◽  
Lidia Borisova
Keyword(s):  
Project Management ◽  
Design Thinking ◽  
Problem Definition ◽  
Value Proposition ◽  
Technology Design ◽  
Management Technology ◽  
Close Cooperation ◽  
Service Introduction

In the article author describes the definition and the process behind the project management technology – design-thinking. The uniqueness of the approach is that project management is done in close cooperation with client from problem definition, to solutions ideation and testing. The methodology allows to deliver product or service with defined value proposition.

Los sujetos que buscan la novedad y los sujetos impulsivos puntúan bajo en matutinidad

2004 ◽  
Vol 11 (5) ◽  
pp. 297-302
Author(s):  
H. Caci ◽  
P. Robert ◽  
P. Boyer
Keyword(s):  
Gen Y ◽  
El Sistema

ResumenLa dimensión bipolar de matutinidad-vespertinidad se refiere a los momentos preferidos del día para llevar a cabo diversas actividades (es decir, la fase del reloj circadiano). Está validada desde un punto de vista biológico, se asocia al menos con un gen y es heredable por medio de un mecanismo epistásico. Se ha utilizado como variable próxima para estudiar las relaciones entre el sistema circadiano, la per-sonalidad y las manifestaciones psicopatológicas: hay una correlación entre la orientación vespertina y la depresión, la extraversión y, pro-bablemente, la impulsividad. Además, hay una posible relación con el temperamento en nifios, segiin teorizaron Thomas y Chess. En este artículo, desarrollamos la hipótesis de que los sujetos impulsivos puntúan bajo en matutinidad realizando un análisis factorial de la Esca- la Compuesta de Matutinidad, el Inventario del Temperamento y el Carácter de Cloninger y el Inventario de Ansiedad como Rasgo de Spielberger en una muestra de 129 varones. Probablemente, los resultados se pueden extender a mujeres. La matutinidad correlaciona negativamente con la búsqueda de novedad (que incluye una faceta de impulsividad), correlaciona positivamente con la persistencia y es independiente de las dimensiones de carácter y la ansiedad como rasgo. La investigación futura puede centrarse en la participación del sistema circadiano en estas dimensiones y facetas de la personalidad, y los beneficios de afiadir manipulaciones cronoterapéuticas en el tratamiento de los trastornos de la personalidad.

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