Concept Solution for an
Indian Multi-national Public Bank
This project addresses the dynamic shifts in the consumer durable market driven by digital transformation and tier expansion. Through market research and ethnographic studies, we identified key needs and pain points of merchants, customers, and point-of-sale interactions.

Our final delivery includes a robust value proposition for merchants, integrated opportunity gaps, and concept designs that ensure a seamless and enriched customer experience at the point of sale.
Concept Solution
for an Indian
Multi-national
Public Bank
Concept Solution for an
Indian Multi-national Public Bank
This project addresses the dynamic shifts in the consumer durable market driven by digital transformation and tier expansion. Through market research and ethnographic studies, we identified key needs and pain points of merchants, customers, and point-of-sale interactions.

Our final delivery includes a robust value proposition for merchants, integrated opportunity gaps, and concept designs that ensure a seamless and enriched customer experience at the point of sale.
Concept Solution
for an Indian
Multi-national
Public Bank
Concept Solution for an
Indian Multi-national Public Bank
This project addresses the dynamic shifts in the consumer durable market driven by digital transformation and tier expansion. Through market research and ethnographic studies, we identified key needs and pain points of merchants, customers, and point-of-sale interactions.

Our final delivery includes a robust value proposition for merchants, integrated opportunity gaps, and concept designs that ensure a seamless and enriched customer experience at the point of sale.
Concept Solution
for an Indian
Multi-national
Public Bank
This project addresses the dynamic shifts in the consumer durable market driven by digital transformation and tier expansion. Through market research and ethnographic studies, we identified key needs and pain points of merchants, customers, and point-of-sale interactions.

Our final delivery includes a robust value proposition for merchants, integrated opportunity gaps, and concept designs that ensure a seamless and enriched customer experience at the point of sale.

BLUEPRINT OF COLLABORATION

BLUEPRINT OF COLLABORATION

Project Overview

Project Overview

  • Concept Proposal

  • Sep-Oct 2018

  • 6-Week engagement

  • Focused cities: Mumbai and Indore

  • Concept Proposal

  • Sep-Oct 2018

  • 6-Week engagement

  • Focused cities: Mumbai and Indore

Team

Project Team

Project
Team

  • Design Director

  • Senior Designer (Me)

  • Engagement Manager

  • Business Analysts

  • Tech Expert

  • Design Director

  • Senior Designer (Me)

  • Engagement Manager

  • Business Analysts

  • Tech Expert

My Role in the Project

My Role in
the Project

  • Co-facilitated Lean Qualitative Research

  • Integrated Research Findings (Across Tiers, Merchant segments and Research formats)

  • Collaborated with Business to align solution goals

  • Assisted in Value Proposition Creation

  • Developed Eco-system-based Digital Concepts

  • Co-facilitated Lean Qualitative Research

  • Integrated Research Findings (Across Tiers, Merchant segments and Research formats)

  • Collaborated with Business to align solution goals

  • Assisted in Value Proposition Creation

  • Developed Eco-system-based Digital Concepts

MARKET TREND LANDSCAPE

MARKET TREND LANDSCAPE

OVERALL APPROACH: INSIGHTS TO CONCEPTS

OVERALL APPROACH:
INSIGHTS TO CONCEPTS

Capturing the Voice of the Customer

Capturing the Voice of the Customer

Conducted lean quantitative + qualitative consumer research to drive insights with different merchant segments across India (Tier 1, Tier 2 cities, organized & unorganized retail across various business types)

Uncovering the Ultimate CX Aspiration

Uncovering the Ultimate CX Aspiration

Backing the customer by a supportive banking relationship that is credible, accessible, transparent, flexible, and simple, that empowers by assisting the merchant through fluctuating business needs, while promoting a trust-driven ecosystem

Solutioning for Payments, Banking & Beyond Banking

Solutioning for Payments, Banking & Beyond Banking

Adopting a collaborative solutioning process to identify opportunity gaps and designing specific digital solutions to enable a POS based ecosystem play for the bank around Payments, Banking and Beyond Banking 

VOICE OF THE CUSTOMER: QUALITATIVE RESEARCH

VOICE OF THE CUSTOMER:
QUALITATIVE RESEARCH

KEY TAKEAWAYS: RESEARCH FINDINGS

KEY TAKEAWAYS:
RESEARCH FINDINGS

EMERGING THEMES AROUND BANKING NEEDS

EMERGING THEMES AROUND
BANKING NEEDS

CONCEPT VALUE PROPOSITION

CONCEPT VALUE PROPOSITION

CX ASPIRATION + EMERGING NEEDS & OPPORTUNITIES

CX ASPIRATION + EMERGING
NEEDS & OPPORTUNITIES

FINAL CONCEPT: POS EXPERIENCE FOR MERCHANTS

FINAL CONCEPT:
POS EXPERIENCE FOR MERCHANTS

nandini krishnamurthy 2025 • kmurthy.nandini@gmail.com

nandini krishnamurthy 2025 • kmurthy.nandini@gmail.com

nandini krishnamurthy 2025 • kmurthy.nandini@gmail.com

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