Personas You Can Talk To: Turning Research Into Persona Agents

Setting the Stage: Design Starts with the Customer

Speaker H (Boris) opens by describing his design team's mission at ANZ to keep customers close to decision-makers, and poses the challenge of maintaining that customer presence in a large organization where most employees don't interact with customers directly.

The Persona as a Focusing Device

Boris traces the history of personas back to Alan Cooper's late-90s concept of designing for a specific archetype rather than an abstract demographic. He explains how personas help teams avoid designing for a non-existent 'average user' by putting a vivid, specific person into design conversations.

The Limits of Static Personas

Boris discusses the core weakness of traditional personas: they capture headlines but not the underlying research detail, forcing teams to fall back on assumptions when tacit knowledge from the original researchers is unavailable. He notes that valuable research often sits buried and hard to find in tools like Confluence or SharePoint.

Introducing Priya: A Persona Example

Boris introduces Priya, a fictional sole-trader dog groomer persona built for the conference, to illustrate a realistic but static persona poster. He explains how even a detailed poster leaves designers guessing about specifics, such as how Priya handles invoicing, because the real texture of research interviews remains hidden and hard to retrieve later.

Why Research Insights Stay Hidden in Organizations

Boris summarizes the core problem: organizations sit on a treasure trove of deep customer research that stays largely inaccessible, and asks how AI might help turn static persona artifacts into an ongoing conversation with research insights.

Live Demo: Talking to Priya, the AI Persona Agent

Boris presents a video demo of an AI-powered version of Priya that answers questions in first-person, conversational style about invoicing, tools like Xero and Square, and banking needs. He shows how follow-up questions can probe deeper, revealing specific, actionable, emotionally grounded insights that go beyond what a static poster could provide.

Grounding the Agent in Real Research Data

Boris emphasizes that unlike a generic chatbot, the Priya agent's responses are traceable back to source research narratives and interviews, ensuring trustworthiness. He shows side-by-side examples proving that her answers about tools like Xero, Square, and PayID come directly from underlying research material rather than being invented.

Building the Pipeline: From Research to Persona Agent

Boris details the scalable pipeline behind the persona agent: conducting and anonymizing interviews, extracting and tagging insights, crafting a narrative covering the persona's full lifecycle, and finally building the conversational agent with carefully framed instructions grounded in curated source material.

Design Patterns: Grounding Rules and Fallback Responses

Boris highlights two critical design patterns for persona agents: strictly grounding responses in source knowledge and building in an explicit fallback rule allowing the agent to say 'I don't know' rather than fabricating answers, since AI models tend to want to please users with invented responses.

The Temptation to Automate Everything

Boris explores the possibility of automating the entire research-to-persona pipeline using AI, including transcription, anonymization, tagging, and narrative crafting, which could keep personas continuously refreshed with new interview data, while acknowledging this raises new challenges.

Scaling Challenges: Tools, Curation, and Instructions

Boris walks through practical lessons for scaling persona agents responsibly: using already-approved organizational tools like Copilot to speed adoption, the critical importance of simple and well-curated knowledge sources over dumping in excessive data, and giving agents clear, narrow instructions with fallback permissions.

Keeping Humans in the Loop: Don't Stop Talking to Customers

Boris stresses the most important caution: AI personas cannot replace ongoing customer research or researcher judgment, and warns against letting AI create additional distance between teams and real customers. He advocates building persona agents alongside, not instead of, direct customer research.

Closing Thoughts: Good AI Gets You Closer to Customers

Boris concludes by reframing the talk's opening principle: good AI should get design teams closer to their customers, just as good design starts with the customer. He summarizes how persona agents can be a more adaptive, conversational tool than static personas while cautioning that AI must never quietly replace real customer research.

Q&A: Updating Personas, Reliability, and Reconnecting with Users

During Q&A, Boris admits he hasn't yet solved how to seamlessly update persona agents with new research and discusses challenges around AI model drift and reliability testing. Audience members share reflections, including one comment praising how the AI persona helps combat researcher desensitization and re-humanizes empathy for users, especially for younger designers lacking field research experience.

Thank you all. Hope you all enjoyed your lunch and are ready for a little bit more AI action. So, yeah, let's get on with it. Good design starts with the customer. Now at ANZ, we try to live up to that principle every day. Certainly in the design team, I look after a small design team, team of designers focusing on experiences of small business owners specifically.

Now a lot of our work involves keeping customers close to the people that are building and delivering experiences for them. So close enough, let's say, that a product owner and a designer arguing about the feature on a Tuesday afternoon, you know they can really picture that person in front of them, So that's our goal at the other end of a feature that they are designing for.

But you know that's quite hard in a big organization, right? Like we're an organization of thousands of people and so how do you keep the customers present really when decisions are being made every day, multiple times a day about design? When you know we know that a lot of our stuff, you know they don't really interact with customers directly every single day, right?

So it's quite important to keep the customers present in a different way. But how do you do that, right? Now for years the tool we've used for that is the persona which hopefully most of you have used at some point or another. You can see me on the screen there a few years ago, the way we used to do design.

I'll just let that run-in the background as an example of how we use personas sometimes in design to focus. And this idea goes back to Alan Cooper in the late 90s when in his book Inmates Surrounding the Asylum he was arguing that designing for a specific person can ultimately lead to better product design decisions. So a person that's basically like an archetype with a name, a job, goals, frustrations, specific enough that you can really picture them when you're thinking about what kind of feature to design and how to go about it.

So not designing for demographic, designing for the average, not trying to please everyone, right? That ultimately leads to better products when you're thinking about that specific person. And when this is done well, know, teams really do stop thinking about users in the abstract and they start thinking about okay, what does this specific type of user need?

And so that does help. So persona is a focusing device, right? It puts the person in the room when decisions are being made effectively, right? It helps teams avoid designing for the average that doesn't really exist and that's why we still use them a few decades later, right? Hopefully most of you have used them at some point.

Yes, there was a cat. Well in my experience and you know hopefully in yours as well, perhaps the persona doesn't always have the answers, right? That's one of the challenges. It is part of the conversation but when the decision needs to get made, it doesn't really have the detail we sometimes need.

And so teams fall back on assumptions because the persona just doesn't hold that detail. Like if you are actually part of the interview or the research, you may have that tacit knowledge and you may remember what the real need behind it is. But the persona really is built to focus, it's not meant to provide all the details.

And the frustrating part is that a lot of that information usually does exist, right? It does sit in perhaps like in an interview transcript somewhere or maybe in a research report. Very often it's somewhere on Confluence, in a SharePoint folder, maybe in a repository tool of some sort that people don't always remember where it is and how to open it and where to find it.

So the question I keep coming back to is what would it take to keep the research and the customer present when those decisions are being made? Now let me frame this with an example. So throughout this talk I'm going to be using Priya here as an example for the persona. And so this is a persona I built specifically for this conference.

I'll talk about that a bit more later. Now she is a sole trader. She owns a mobile dog grooming business. She kind of operates in the inner suburbs. She's digitally savvy. She works, she banks with ANZ, of course. Yeah, she was built for this talk, so what do you expect, right? And I'll keep using her as an example.

You know, she is realistic. She's basically what we would expect based on the real research we do with small business customers. It's a fairly standard profile. I'm guessing if you've ever worked with personas, if you've developed one yourself, you've probably done something similar, right? So you can see there's an illustration, there's maybe a quote, there's some goals, banking needs, pain points, fairly standard, right?

We always kind of do very similar things there. There's actually quite a lot of detail on this one but it still may leave you guessing, right? Because everything here is frozen, it's a static page, like everything is basically a headline. Now behind every headline there's an interview, right? And so what exactly did that person say when they were talking about chasing invoices? You know, how did they describe a quiet month?

Maybe how did that feel like? Right, so there's a lot of that behind that we don't really see. Like the poster is a summary but the texture stays buried. And, you know, when the team is still present, the team that was doing the research, I mean, that's a little bit easier to manage because they do have the tacit knowledge.

But perhaps the project moves on, right? And maybe six months later someone else is like, okay, need to design something for a very similar type of customer, so let's use Priya. And so maybe they have a question, how does Priya actually handle invoicing? So what works for her, what doesn't? And the poster kind of gives you a hint.

There's a mention there that says there's a goal, get paid faster and chase fewer invoices. But that's not really giving you all the detail, right, that as a designer maybe sometimes you need. And so getting to that answer, I mean it's sometimes possible, right? But it does mean having to track where the research is hidden, you know, trying to find the right project, talk to the right people, have the right search tags, the keywords, you know, spending an afternoon perhaps trying to dig up what the research is.

And so very often again teams fall back on assumptions, they guess. And so Priya is a poster pinned up on the wall but maybe of little use in some way. And so we're sitting on this treasure trove of research, lots of research we do in big organizations, lots of really deep interviews. A lot of that is very difficult to really get our hands on, right? So it stays hidden.

Repositories keep growing. And that's really the problem I'm trying to solve here, right? Now we're at an AI conference, right, so how can AI help? I think that's actually quite exciting because AI has lots of potential in this case. I think AI can enable us to have an ongoing conversation with research insights. I think this is really quite powerful when you think about it. So when you apply AI to a persona, it doesn't have to be a static artifact.

Basically it becomes something you can talk to. You know, personas maybe used to be documents we handed over, but now they become basically this ongoing conversation. And so that's something that AI is really good at, right? It's making sense of like big amount of unstructured text and then kind of summarize it, send it back to us.

I believe we've all kind of used that feature very often when we get along, know, you know, summarize it. It's pretty good at that, right? So in that sense it's a very powerful tool, right, for research and I think that there's a real shift there when we can use that with personas for example. But rather than just talk about it, right, I

mean

it's a talk, right, but still we can show some things. It's not a demo but it's gonna be a video. This is what Priya looks like in practice, and again disclaimer here, I built this just for the conference. We do have different personas we use with ANZ. They're built with our own research data.

This one was built just on publicly available data. But basically works exactly the same way, The mechanism is exactly the same And so it kind of works like this example. And so yeah, think let's ask her a few questions. Let's see how she does, let's see how she responds. So the first question I wanna ask her, how do you handle invoicing? What works, what doesn't?

And you can see she's going to respond very much in her own voice. She's going to talk in first person, very conversational. She's going to be specific about for her needs specifically, what works, what doesn't. She talks about being paid on the spot when she can. She works in a van, moving around a lot. She talks about using Xero when she has to invoice commercial clients.

And she talks about an emotional angle. Think that's quite interesting. She gives an emotional angle about how chasing late payments feels awkward and uncomfortable, and she doesn't want to spend too much time doing that. So quite a lot of information already, right? Now I do want to dig a bit deeper, right? And so I say, okay, what tools exactly do you use for invoicing and payments? So probing for a bit more detail, the answer gets a little bit more specific.

She doesn't just list the tools. She actually talks about why each tool fits, what works, what doesn't. She gives the detail that you normally kind of have to dig through research to find rather than just look at the poster. But here you can do it on demand, and I think that's the real benefit. Now third question. When do you need help from your bank?

Now I've kind of asked a question here that's maybe a little bit too high level. Right? I'm like, okay. Maybe I'm not happy with this answer. I wanna be a bit more specific. But that's okay. I can follow-up because this is a conversation, so it allows me to do that. And so I follow-up trying to better understand, you know, what how she handles payment issues, for example.

And, you know, she talks about really quite a bit detail that I can, you know, very comfortably apply to some kind of a design design flow. She talks about not wanting to call the bank all the time because she doesn't really like to stay on long phone calls. I'm sure we've all experienced that at some point. But when you're working out of a van, in Priya's case, it's very applicable. And so this gives us quite an actionable insight there.

It's a very tangible picture that we can use to design specifically for that type of customer. Right? So trying to really help her out. Now, yeah, two things to notice there. I think there's couple of patterns, right? So first, this is like a persona, right? So she's talking about very specifically in her voice about her needs.

So it's behaving in a very similar way to that poster. It's just a specific customer. And second, the conversation keeps going, and I think this is really important here. It's not just a poster. It's not tangible artifact, a static one. It's basically an interaction, so we can keep going back and forth. I've asked four questions here.

You know, I could have asked 40 or more, and I'm sure I have in my actual work. I think that's the real shift. I think, you know, we talk about AI a lot, like, yeah, it's there's dangers coming with it, right? We're all a little bit scared of it. Big big change happening. But I think there's also things to be excited about, and I think that's, you know, something that excites me is what's possible now that really wasn't possible before, right?

So, you know, this kind of example is exactly that. It's like we couldn't really do that before we had AI, right? You can't have that conversation with the customer but also not the customer there I suppose. So yeah, can follow-up, you can probe specific scenarios, you can ask her to prioritize what's more important to her. I think an important element that I still need to talk about is that this is all grounded in research.

So this is not just a model making stuff up. It's not just a chatbot in a costume, if you will. So it's really a conversational layer over the research that's already been done, right? So it's sitting on all the data that we already have. So yeah, it's grounded. So just to show you what I mean by that.

So on the left side here, you know, you can see the answer Priya gave. Then on the right side, there's the narrative that's being supplied to her as the source material, right? And you can see that, you know, she talks a little bit about invoicing using zero, and that's taken straight from that narrative, right? You can see how she talks about using Square in the van, again taken straight from the narrative, you know, using pay ID, same thing, right? So we're trying to really develop this in a way that's quite traceable, right?

So we can trace everything that she says back to the narrative and then back, you know, if we can to the original interviews where that happened. And that's I think quite important, right, because traceability turns something that's a clever answer into something that you can trust a little bit more, right? So we're not asking designers to trust into AI, but rather we were just using AI to surface research the designers already trust. And so I think that's quite important, right, because how do you know can I actually make a decision based on these outputs?

So yeah, not magic, right? I mean, we know AI is not magic. But yeah, taking the persona, putting that into some carefully framed instructions prompt, and then having some really well curated source material. I think we talked a little bit about curation earlier today. Think yeah, that's definitely very important in this case as well.

And yeah, so the real work really happens upstream, So it's not so much even in the agent itself. It's more like this. So it's like this is the real work. This is a scalable pipeline. So how do we develop that pipeline from the source material? So from doing research, from doing interviews with our customers to then extracting those insights, making sure obviously that's all anonymized, extracting the insights, tagging, categorizing them. So this is all stuff maybe you already do, right? And it's important to keep that process in a way so that we can have some rigor in our research.

And the third step there that really is where the persona starts becoming a little bit more like a persona is turning those insights into some kind of a narrative. And so that's what I was showing on the screen earlier. So the source material I'm using here is basically a narrative that goes through the entire life cycle of a of a persona, trying to understand what are all the different kind of things people might ask her, what are all the jobs to be done, if you will, and trying to provide some sort of a narrative for each of those. And yes, using obviously the insights from the research to inform that. So yeah, that's the fun part in a way.

And you know, the most fun part I suppose turning all of that into an agent and that's where, you know, it really starts feeling a little bit like magic in a way. And, yeah, the agent itself, I think it's really important here to provide it with some limitations in the sense that we do want it to refer to that source material.

We don't want it to, like, grab everything from the Internet and try and just make stuff up. So yes, some carefully framed instructions there for sure. And obviously carefully tagged insights and all that. And so most of that careful design lives there in the agent. There are two patterns I'd like to point out.

So first talked about the grounding, right? So there's instructions that you can only use the grounding from the source knowledge. And the second one, which is also quite important, is to have a fallback rule. So what does Priya say when, you know, that knowledge isn't there? Right? So if you ask her something that's not in the source so it's quite important to actually provide that to give her the freedom to say, don't know.

Because, yes, we've heard also today, you know, AI is really, you know, the way it's developed is in a way that's quite happy to please us. Right? So it's trying to make stuff up if they don't know the answer. They're just trying to provide something to us. And so if we give them that freedom to actually say I don't know when that happens, if you explicitly frame the instructions in that way, that definitely helps a lot.

I think it's something to think about and experiment with. Now if we don't have that, try to trust and quickly disappear and, you know, we can have made up answers. If there's a made up answer, people start questioning it and then the whole value goes down the drain. One more thing I kind of want to point out here, there's a temptation and I think definitely a possibility.

Right? When we have this sort of a pipeline, you could say, why not just automate the whole pipeline? And, you know, it's certainly something we're experimenting with a little bit. You know, you could automate maybe not the interview itself. I think it's good to have customers to talk to. But, you know, transcription, anonymization for sure, tagging the insights, extracting the insights, you can do that with AI, right?

Then crafting that narrative, you can do that with AI. It can actually summarize all that even with the parameters of a persona. And so that's potentially exciting, and one of the exciting things there is that it could allow us to have a persona that keeps being most recent, that kind of keeps being alive. So let's say when we do new interviews, maybe that can feed automatically into this pipeline and the persona keeps being refreshed all the time. So that's pretty exciting.

But there's also some challenges potentially that come with that, so I wanna talk about that a little bit next. So the question really isn't whether, you know, we can do this. We know we can, but it's more like how do we do it in a way that makes it easier for teams to adopt. So, yes, scale brings bigger rewards.

I think with AI that's very tempting. It's tempting to automate everything. Very tempting to think about, okay, how do we feed in as much information as we can? Let's just feed it all. Let's feed the monster. But, you know, Skelt brings bigger rewards but also new challenges. So I've got a few points there to just talk through about how to go about those challenges and what they might be.

It's not comprehensive. I'm not talking about managing the system itself, managing users, all that. It's basically an IT system of its own, right? So there's all sorts of challenges like that to manage. But in terms of it being an AI persona, right? Like some of the things I've learned, think it's great to use the tools you already have, right, in the organization you work in.

Now at ANZ, we use Copilot. So this was built using Copilot. That just makes things a lot easier because it's already an approved tool. I don't need to request for 10,000 licenses or something like that, or I don't need to go through procurement processes. A lot of that has already been done. So if you're trying to onboard a new tool, obviously that comes with a lot of those things, so procurement, security issues, whatnot.

And that can eat up with the benefit of trying to do something like that because the goal is to give this to the people that need it, you know, as soon as we can to get it into as many hands as we can in a way. So how can we help it to get adopted faster? Right? This point is super important.

I was talking about that a little bit. That's all the curation. So simple and well structured knowledge source. I think definitely when I started out with this, one of the biggest challenges was that I just tried, okay, how about if we just feed it all these random interviews that we've done on slightly tangential topics? Or how about if we tried feeding it, I don't know, some NPS verbatims, more data you feed it, you feel like, okay, maybe it's going to provide deeper, better answers.

But actually the curation is really, really important. And so that's one of the biggest challenges for me in a way. It's like how do you cut down the data, the right data so that the model can give you the best possible answers. Now the challenge there is also that if you feed it too much data, you know, it's like what I've seen happen, it just cuts down to a slice of it.

It doesn't look at the whole thing. So the pattern recognition kind of, you know, doesn't really happen. So, yeah, curation is super important. Clear explicit instructions with fallback. You know, we talked about it a little bit. Yeah. Don't try to get it to do too many things at once. We do live in the agentic era, so yes, if if you do want to have more, individual jobs, I guess having separate agents for that is probably a better idea.

So try to be quite specific, give it one job, you know, and then also give it that permission to say I don't know, right? I think that's worked really well in this case for me. So yeah, explicit instructions and a fallback. Now the most important thing of all, obviously we are at an AI conference, do not stop talking to customers.

Yeah, that's really I can't emphasize that enough, right, because the AI can't really tell you what we haven't asked someone yet, right, it's only relying on the data we already have. It can't replace researcher judgment if we're trying to develop something new. It can only reuse insights, right, it can't really generate anything new. So, you know, if your researchers start getting fewer slots, then you're probably going about it the wrong way, I'd say.

Right? It's really important we keep that real connection alive. And there is a real risk there, right, because you know once you have something like this available to people then, you know, it's very tempting to say, oh, we already have that, why why would we need to talk to customers, right? Like it looks like a customer, That's it.

So yeah, think that's again something that's I'm sorry, I'm still trying to really figure out, right, what the impact of this will be and how do we navigate that question. But yeah, I think it's a very important one to think about. Because the whole point of personas, right, was to keep teams closer to the customers, right, to keep teams customer centric.

And so we don't want to create another layer between our teams and our customers. Right? There already usually are a number of layers. So if we can kind of bring them closer, that's the goal. We need to really remember that what are we after. So yeah, honest framing is that we want to extend access to research rather than replace it.

So we do not want to replace research, researchers, or just sitting across from customers. If you've ever had a senior stakeholder sit in a customer interview, I think that's always so powerful, right? So I really don't want to lose that moment where they really kind of internalize that experience. So, yeah, build it alongside, not not instead of research.

Now I wanna end kind of where I started. Right? So bringing it back to, you know, that good design starts with the customer. I think I would say good AI gets you closer to your customers. I think that's the test that's probably applicable almost to any AI you may be developing. So think about it maybe tomorrow if you're working on something.

I think this is the test, right, I wanna leave you with. And so if it really doesn't do that, then it's kind of a distraction. It can be impressive. You know, you can have a great demo. You can have a clever model. You can, you know, have vendors trying to sell you all sorts of AI stuff. But if it doesn't do that, it's kind of not doing the right job.

Now we've had static personas in the past, you know, we use personas still today, trying to help us focus on the customer, trying to get that product owner and the designers talk about the customer. We know it can't hold all the details sometimes, so it's not perfect as a tool. I think the persona agents, maybe they're a better tool, right?

They can definitely be a little bit more adaptive, they can have a conversation. So it's not a handover, it's more of an interaction with the research. They are grounded in all the richness of the data we have, right? We have so much data in the organization. And it can surface all that detail, right? And it can put someone who's never maybe talked to a customer in person really in that room with them.

But it also has the potential to kind of quietly take the customer out of the room in a way when maybe sometimes it replaces the research, right? It shouldn't be doing that. So we need to be careful about it. Now to close off, I do believe that AI can really emphasize that human in human centered design.

So let's try and humanize things with AI wherever we can. And good AI should get us closer to customers. Now that's a test, but it's up to us to make sure that it does. My name is Boris. Thank you for listening.

Thank you, Boris. I have a question before I ask anyone else if they have, but that idea of sort of adding new research, adding new insights into the personas and and making them available to the agents, have you settled yet into a cycle of how frequently you're doing that? Have you tried to update the personas yet with new research?

I've tried to do that as a kind of proof of concept. I'm still struggling to make it work in a way that would be seamless. So we don't have like an operationalized product in that sense yet. Yeah. I think that's it's a pretty challenging thing to tackle.

I think like that's a challenging thing with personas, full stop. And that's why I was curious whether or you've made that attempt here. I'm working on a project at the moment where the personas were created by somebody else and and made available to our team, but they were developed five years ago.

They

haven't been updated in that time.

Exactly. And I

think that's probably too long. Even in that particular context, I think it's too long. But, yeah, I was curious. Does anyone have a question? Yes. Danny, I'll give you actually, I'll just give you this one.

Thanks for that. It was really good. It sounds like you're covering your bases a lot with, you know, the the fallback rule, and, you know, you showed the example of it having that traceability. I'm just wondering in terms of, you know, soak testing it, like, how have you noticed it drifting at all?

Or, you know, kind of finding you know, if things can go wrong, they will go wrong. Right? So, like, if if there is a gap to be had, AI will usually plug that gap and will sometimes make it up. Have you found that it's reliable or too early days yet?

Yeah, I mean it changes all the time a little bit, right? I think the challenge is what kind of tools you're using again. I think currently pushing this through to a pilot in a way that we can then say okay, this is now good enough to scale up. So we're still learning a lot of those things. I would say even with tools like Copilot, because they do change the model behind it, you can then every now and then see that oh, actually today it's behaving a little bit different to how it used to, right?

So there's definitely that challenge. One thing that I also need to still properly research is does it behave differently to different people? I'm not entirely sure there. Like does it behave differently on my particular setup with my personal kind of context? So yeah, I don't have all the answers to that yet.

I've got more of a comment which is I think, you know, the purpose of personas is for us to be able to feel something for the people we're designing for. And probably a lot of us are a bit desensitized. I think I've met five or six Priyas in the last few years. Circle photo, a lot of lines around motivations, interests.

And what this is this is really interesting because I feel like what you've done is sort of break that the desensitization that we have to go, oh, I can feel again. Oh, that must be really annoying when you're waiting for that information. Oh, is that how long it takes? So I think there's something here. I've time back to Steve's point, think, you know, making sure that they're updated and that we can continue to actually have the real research there, but really helpful, especially for some of the younger designers who have come through COVID and maybe don't have that same contextual research background where you're out in the field talking to people.

Really helpful to get into the mind of the user. So thank you.

Yeah, thank you. Thanks for the comment. Yeah, I would second that that like, one of the things I like most about doing research is when the person answers something you're not expecting, right? So that's the element where, ah, okay. So yeah, totally.

Personas You Can Talk To

Turning Research Into Persona Agents

Boris Divjak, Strategic & Service Design Lead

3 June 2026

The ANZ logo is displayed in the bottom right corner.

Personas You Can Talk To

Turning Research Into Persona Agents

Boris Divjak, Strategic & Service Design Lead

3 June 2026

ANZ logo.

Good design starts with the customer.

Good design starts with the customer.

A small blue abstract flower or star-like logo is in the bottom right corner.

Good design starts with the customer.

A small blue stylized four-petal flower icon is in the bottom right corner.

Good design starts with the customer.

Good design starts with the customer.

Good design starts with the customer.

Good design starts with the customer.

Good design starts with the customer.

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Good design starts with the customer.

Good design starts with the customer.

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Good design starts with the customer.

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Good design starts with the customer.

Good design starts with the customer.

Good design starts with the customer.

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Good design starts with the customer.

A small blue icon resembling a stylized plant sprout or human figure is in the bottom right corner of the slide.

Good design starts with the customer.

Good design starts with the customer.

A small blue icon depicting a stylized person is in the bottom right corner.

Good design starts with the customer.

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Good design starts with the customer.

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Good design starts with the customer.

Designing with personas in 2014, personal archive

On one of the documents pinned to the wall, the text "BOOKS ↑" is visible.

A photo of a whiteboard displaying several cartoon-style persona cutouts. Above and around the personas are various printed documents and yellow sticky notes, suggesting a design workflow. A person is shown from behind, seated at a desk and working on a laptop in front of the whiteboard.

Designing with personas in 2014, personal archive

A photograph shows a whiteboard covered with several hand-drawn user personas (one woman and three men) and numerous yellow sticky notes beneath them, indicating user needs or characteristics. Above the personas, there are additional papers that look like schedules or data. In the foreground, the back of a person's head is visible as they work at a computer desk.

Designing with personas in 2014, personal archive

An office wall covered with papers and many yellow sticky notes. Four hand-drawn cut-out figures, representing personas, are affixed to the wall, each surrounded by sticky notes. A person's head and shoulders are visible in the foreground, looking towards the wall, with a laptop screen visible to their right.

Designing with personas in 2014, personal archive

A whiteboard or wall covered with various papers and yellow sticky notes, featuring four hand-drawn illustrations of people, representing design personas. A person is visible from behind, sitting at a desk and looking at a computer screen in the foreground.

Designing with personas in 2014, personal archive

A large whiteboard covered with numerous yellow sticky notes, some with drawings and text (such as "FOCUS", "CUSTOMER NEEDS", "IDEAS"), and several printed documents. Four hand-drawn persona cutouts are visible at the bottom of the board. A person in a dark t-shirt stands on the left, observing the board.

Designing with personas in 2014, personal archive

Four illustrated circular portraits of diverse individuals, representing personas. From left to right: a woman with curly hair and a scarf, a man with short hair in a suit jacket, a man with short hair in a striped shirt, and a man with long hair, a beard, glasses, and a t-shirt with a cat design.

Designing with personas in 2014, personal archive

Four circular hand-drawn illustrations representing different user personas are arranged horizontally. Above the first persona on the left, a blue speech bubble with a question mark hovers. The personas depicted are: a woman with curly hair and a scarf, a man in a suit, a man in a collared shirt, and a man with glasses and a beard wearing a t-shirt with a cat graphic.

Designing with personas in 2014, personal archive

An illustration showing four diverse personas, each depicted as a headshot in a circle. Above the first, second, and fourth personas, blue speech bubbles with question marks indicate unanswered questions or uncertainty related to them.

Designing with personas in 2014, personal archive

An illustration shows four diverse cartoon-style personas arranged horizontally. Above each persona is a blue speech bubble containing a white question mark, symbolizing the lack of specific answers or details often found in personas. In the bottom right corner of the slide, there is a small blue logo depicting two abstract figures connected.

Designing with personas in 2014, personal archive

An illustration depicting four diverse people, each within a circular frame, representing personas. Three of the personas have blue speech bubbles above them containing a question mark.

Designing with personas in 2014, personal archive

An illustration showing four different personas. Each persona is depicted as a head-and-shoulders drawing within a circular frame, and each has a blue speech bubble with a question mark above their head.

Priya · Illustrative persona for AI × Design 2026

I want to focus on my business, not on my banking.
  • Business: Mobile dog grooming, inner suburbs
  • Structure: Sole trader
  • Size: Small
    Low turnover, no employees
  • Banking: ANZ business account, credit card
    Square for in-van payments
    Xero for the books
    BAS quarterly via her accountant
  • Mindset: Digital-first
    Self-service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a small team without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and gear repairs
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without warning and aren't easy to query
  • Lending conversations that feel like they're built for businesses ten times her size
  • Tax and BAS surprises
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once
Illustration of a woman in an apron grooming a dog, with another person and a grooming van in the background.

Priya · Illustrative persona for AI × Design 2026

"I want to focus on my business, not on my banking."

  • Business: Mobile dog grooming, inner suburbs
  • Structure: Sole trader
  • Size: Small
    Low turnover, no employees
  • Banking: Simple banking
    ANZ business account, credit card
    Square for in-van payments
    Xero for the books
    BAS quarterly via her accountant
  • Mindset: Digital-first
    Self-service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a small team without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and gear repairs
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without warning and aren't easy to query
  • Lending conversations that feel like they're built for businesses ten times her size
  • Tax and BAS surprises
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once
An illustration shows Priya, a woman in a blue apron, grooming a dog inside a mobile dog grooming van. Another person is assisting by holding the dog.

Priya · Illustrative persona for AI × Design 2026

I want to focus on my business, not on my banking.
Business
Mobile dog grooming, inner suburbs
Structure
Sole trader
Size
Small
Low turnover, no employees
Banking
ANZ business account, credit card
Square for in-van payments
Xero for the books
BAS quarterly via her accountant
Mindset
Digital-first
Self-service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a small team without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn’t turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and gear repairs
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she’s booked solid all week
  • Fees that show up without warning and aren’t easy to query
  • Lending conversations that feel like they’re built for businesses ten times her size
  • Tax and BAS surprises
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once
An illustration of Priya, a woman in an apron, grooming a dog with a person standing by a mobile dog grooming van.

Priya · Illustrative persona for AI × Design 2026

I want to focus on my business, not on my banking.

Business: Mobile dog grooming, inner suburbs

Structure: Sole trader

Size: Small, Low turnover, no employees

Banking:

  • ANZ business account, credit card
  • Square for in-van payments
  • Xero for the books
  • BAS quarterly via her accountant

Mindset: Digital-first, Self-service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a small team without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and gear repairs
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without warning and aren't easy to query
  • Lending conversations that feel like they're built for businesses ten times her size
  • Tax and BAS surprises
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once
Illustration of a woman grooming a dog in a mobile dog grooming van, with another person interacting with the dog.

Priya · Illustrative persona for AI × Design 2026

I want to focus on my business, not on my banking.
Business
Mobile dog grooming, inner suburbs
Structure
Sole trader
Size
Small
Low turnover, no employees
Banking
Simple banking
ANZ business account, credit card
Square for in-van payments
Xero for the books
BAS quarterly via her accountant
Mindset
Digital-first
Self-service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a small team without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and gear repairs
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without warning and aren't easy to query
  • Lending conversations that feel like they're built for businesses ten times her size
  • Tax and BAS surprises
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once
An illustration depicts Priya, a woman in a blue apron, grooming a dog inside a mobile dog grooming van. Another person hands her a second, smaller dog.

Priya · Illustrative persona for AI × Design 2026

I want to focus on my business, not on my banking.
Business
Mobile dog grooming, inner suburbs
Structure
Sole trader
Size
Small
Low turnover, no employees
Banking
Simple banking
ANZ business account, credit card
Square for in-van payments
Xero for the books
BAS quarterly via her accountant
Mindset
Digital-first
Self-service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a small team without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and gear repairs
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without warning and aren't easy to query
  • Lending conversations that feel like they're built for businesses ten times her size
  • Tax and BAS surprises
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once
An illustration of a woman in a blue apron grooming a dog with a man standing nearby, next to a mobile dog grooming van.

Priya · Illustrative persona for AI × Design 2026

"I want to focus on my business, not on my banking."

Business Mobile dog grooming, inner suburbs
Structure Sole trader
Size Small
Low turnover, no employees

Banking Simple banking
ANZ business account, credit card
Square for in-van payments
Xero for the books
BAS quarterly via her accountant

Mindset Digital-first
Self-service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a small team without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and gear repairs
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without warning and aren't easy to query
  • Lending conversations that feel like they're built for businesses ten times her size
  • Tax and BAS surprises
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once
An illustration of a woman in an apron grooming a dog, with a man standing nearby and a mobile grooming van in the background. The text describes a persona named Priya, a sole trader in mobile dog grooming, detailing her business, banking, mindset, goals, banking needs, and pain points.

Priya • Illustrative persona for AI × Design 2026

“I want to focus on my business, not on my banking.”
Business
Mobile dog grooming, inner suburbs
Structure
Sole trader
Size
Small
Low turnover, no employees
Banking
ANZ business account, credit card
Square for in-van payments
Xero for the books
BAS quarterly via her accountant
Mindset
Digital-first
Self-service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a small team without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn’t turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and gear repairs
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to “come into a branch” when she’s booked solid all week
  • Fees that show up without warning and aren’t easy to query
  • Lending conversations that feel like they’re built for businesses ten times her size
  • Tax and BAS surprises
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

An illustration shows a woman in a blue apron grooming a small dog. A man stands nearby, observing, and a white mobile dog grooming van is visible in the background.

Priya · Illustrative persona for AI × Design 2026

I want to focus on my business, not on my banking.
Business
Mobile dog grooming, inner suburbs
Structure
Sole trader
Size
Small
Low turnover, no employees
Banking
Simple banking
ANZ business account, credit card
Square for in-van payments
Xero for the books
BAS quarterly via her accountant
Mindset
Digital-first
Self-service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a small team without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and gear repairs
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without warning and aren't easy to query
  • Lending conversations that feel like they're built for businesses ten times her size
  • Tax and BAS surprises
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once
An illustration of a woman grooming a dog inside a mobile van, with another person handing her the dog.

Rich insights often remain hidden

Priya's persona one-pager

Priya · Illustrative persona for AI × Design 2026
I want to focus on my business, not on my banking.
Business
Mobile dog grooming, inner suburbs
Structure
Sole trader
Size
Small, 1-2 employees
Banking
Simple banking, Checking account, Credit card, Square Go to run payments, BAS lodgement via accountant, ASIC queries same account
Mindset
Digital-first, Self-service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a company without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with Soge (her dog)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and quiet phases
  • Clean integration between the bank, feed and Xero
  • A simple way to set money aside for GST and PAYG
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without warning and require a new query
  • Lending conversations that feel like they're built for businesses not like hers
  • GST and BAS estimates
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

Rich research insights

Phase 2 - Setting up
Phase 1 - Before the Business exists
Episode 10: First booking system
Illustration of Priya, a woman with a dog next to a mobile dog grooming van. Screenshots of three research documents: "Phase 2 - Setting up", "Phase 1 - Before the Business exists", and "Episode 10: First booking system".

Rich insights often remain hidden

Priya's persona one-pager

Priya · Illustrative persona for AI × Design 2026

“I want to focus on my business, not on my banking.”

Business: Mobile dog grooming, inner suburbs

Structure: Sole trader

Size: Small

Employees: Low turnover, no employees

Banking: Simple banking: Personal, savings, credit card, Square for card payments, Xero for invoices, ANZ business online account

Mindset: Digital-first: Self service and mobile banking

Goals
  • Keep the diary full without working seven days
  • Move from sole trader to a company without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer
Banking needs
  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and quiet weeks
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and PAYG
  • Help understanding lending options better
Pain points
  • Phone support that makes her re-explain things every time
  • Being told to “come into a branch” when she's booked solid all week
  • Fees that show up without explanation and trigger a query
  • Lending conversations that feel like they're built for businesses ten times her size
  • GST and BAS hassles
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

Rich research insights

Screenshots of research documents titled: "Phase 2 – Setting up" and "Phase 1 – Before the Business exists".

A slide illustrating how detailed insights often remain hidden. On the left is a "persona one-pager" with an illustration of a woman in a mobile dog grooming van with a dog, accompanied by text detailing Priya's attributes, goals, banking needs, and pain points. On the right, several overlapping, dense text documents are shown, labeled "Rich research insights", with visible titles "Phase 2 – Setting up" and "Phase 1 – Before the Business exists".

Rich insights often remain hidden

Pirya's persona one-pager

Priya - Illustrative persona for AI × Design 2026

"I want to focus on my business, not on my banking."

Business
Mobile dog grooming, Inner suburbs
Structure
Sole trader
Size
Small
Turnover
Low turnover, no employees
Banking
Simple banking, Everyday account, credit card, Square for EFTPOS payments, BAS quarterly, no accountant, Digital-first, self-service, mobile banking
Goals
  • Keep the diary full without working seven days
  • Move from sole trader to a business with herself becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually have a second van and hire a groomer
Banking needs
  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and cash-flow woes
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better
Pain points
  • Phone support that makes her re-explain things every time
  • Being told to "Come into a branch" when she's booked solid all week
  • Fees that show up without explanation and are hard to query
  • Lending conversations that feel like they're built for businesses not like hers
  • Doing BAS ourselves
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

Rich research insights

Phase 2 - Setting up
Phase 1 - Before the Business starts
An illustration of Priya, a mobile dog groomer, working inside her van with a small white dog. Two document screenshots titled 'Phase 2 - Setting up' and 'Phase 1 - Before the Business starts', representing rich research insights.

Rich insights often remain hidden

Priya's persona one-pager

Priya · Illustrative persona for AI × Design 2026

Rich research insights

Phase 2 - Setting up

Phase 1 - Before the Business exists

A persona document is shown, titled "Priya · Illustrative persona for AI × Design 2026". It features an illustration of a woman grooming a dog next to a mobile van, with sections outlining goals, banking needs, and pain points. Below this are screenshots of multiple pages from detailed research reports, with visible section titles such as "Phase 2 - Setting up" and "Phase 1 - Before the Business exists".

Rich insights often remain hidden

Priya's persona one-pager

Priya · Illustrative persona for AI × Design 2026
"I want to focus on my business, not on my banking."
  • Business: Mobile dog grooming, inner suburbs
  • Structure: Sole trader
  • Size: Small
    • Low turnover, no employees
  • Banking: Simple banking
    • Mobile app, debit/credit card
    • Square for in-person payments
    • Tax account, savings
    • BAS quarterly, uses accountant
  • Digital-first:
    • Self service and mobile banking
Goals
  • Keep the diary full without working seven days
  • Move from sole trader to a company, without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer
Banking needs
  • Mobile-first experience
  • Fast, reliable card payments in the very, even in poor reception
  • Less email overhead for slow-weeks and urgent queries
  • Clear integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better
Pain points
  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" and having to attend solid all week
  • Fees that show up without explanation and are hard to query
  • Lending conversations that feel like they're built for businesses not sole traders
  • Tax and BAS surprises
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

Rich research insights

  • Phase 2 - Setting up (research document title)
  • Phase 1 - Before the Business unfolds (research document title)

Illustration of a woman, Priya, grooming a dog in front of a mobile dog grooming van, next to a detailed persona card. The card outlines her business, goals, banking needs, and pain points. To the right, two layered documents are visible, titled "Phase 2 - Setting up" and "Phase 1 - Before the Business unfolds," representing detailed research insights.

Rich insights often remain hidden

Priya's persona one-pager

Priya · Illustrative persona for AI × Design 2026

I want to focus on my business, not on my banking.
  • Business: Mobile dog grooming, inner suburbs
  • Structure: Sole trader
  • Size: Small (Low turnover, no employees)
  • Banking: Simple banking (Small business debit card, credit card, Square for van payments, no loans/overdraft, BAS quarterly, no accountant)
  • Mindset: Digital-first (Self-service and mobile banking)
GoalsBanking needsPain points
  • Keep the diary full without working seven days
  • Move from sole trader to a company without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer
  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • Overall oversight for slow weeks and busy weeks
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better
  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without explanation or a clear query
  • Lending conversations that feel like they're built for businesses ten times her size
  • Tax and BAS deadlines
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

Rich research insights

Document 1 - Phase 2 - Setting up

  • Episode 1: Registering the actual business...
  • Episode 2: Buying the first van...
  • Episode 3: Insurance, licences, and the small print
  • Episode 4: Setting up payments
  • Episode 5: First booking system

Document 2 - Phase 1 - Before the business exists

  • Episode 1: The idea takes shape
  • Episode 2: Researching the trade properly
  • Episode 3: Registering ABN and business name
  • Episode 4: Getting setup, quietly, at first
  • Episode 5: A quiet month
  • Episode 6: Business really taking off!
An illustrative persona document for 'Priya', a mobile dog groomer, detailing her goals, banking needs, and pain points. This is shown alongside two multi-page research insight documents outlining phases of setting up and operating a business, with episode titles summarizing key stages.
<section class='slide-text'> <h3>Rich insights often remain hidden</h3> <h4>Priya's persona one-pager</h4> <section class="persona-card"> <h5>Priya - Illustrative persona for AI × Design 2026</h5> <p>"I want to focus on my business, not on my banking."</p> <dl> <dt>Business:</dt><dd>Mobile dog grooming, Inner suburbs</dd> <dt>Structure:</dt><dd>Sole trader</dd> <dt>Size:</dt><dd>Small (Low turnover, no employees)</dd> <dt>Banking:</dt><dd>Simple banking (Saving for tax, payroll, credit card

Rich insights often remain hidden

Priya's persona one-pager

Priya · Illustrative persona for AI × Design 2026

“I want to focus on my business, not on my banking.”

Business: Mobile dog grooming, inner suburbs
Structure: Sole trader
Size: Small
(1-2 employees, no employees)

Banking: Simple banking
(uses personal account for business, credit card, Square for on-the-go payments, pays bills manually, BAS quarterly not accounted for)

Mindset: Digital-first
(uses social and mobile banking)

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a company without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the very, even in poor reception
  • A small overdraft for slow weeks and quiet payers
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without explanation or too late to query
  • Lending conversations that feel like they're built for businesses ten times her size
  • GST and BAS estimates
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

Rich research insights

Screenshot of a research document titled "Phase 2 - Setting up"

Screenshot of a research document titled "Phase 1 - Before the Business exists"

An illustration of a woman grooming a dog inside a mobile van, representing the persona "Priya". To the right of the persona document are screenshots of two detailed text documents, appearing to be research findings or journey maps, with titles "Phase 2 - Setting up" and "Phase 1 - Before the Business exists" respectively.

Rich insights often remain hidden

Priya's persona one-pager

Priya - Illustrative persona for AI x Design 2026

  • Description: "I want to focus on my business, not on my banking."
  • Business: Mobile dog grooming, inner suburbs
  • Structure: Sole trader
  • Size: Small (low turnover, no employees)
  • Banking: Simple banking (uses personal accounts, credit card, Square for in-person payments, PayPal for online payments, BAS quarterly, xero accounted)
  • Mindset: Digital-first (self service and mobile banking)
Goals
  • Keep the diary full without working seven days
  • Move from sole trader to a business without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer
Banking needs
  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and client delays
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better
Pain points
  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" and wait to speak to someone all week
  • Fees that show up without explanation and are hard to query
  • Lending conversations that feel like they're built for businesses ten times her size
  • Tax and BAS anxieties
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

Rich research insights

An illustration depicts a woman standing next to a mobile dog grooming van with a small dog, part of a persona document. Beside this are screenshots of several pages from a detailed research document, with visible headings like "Phase 2 - Setting up" and "Phase 1 - Before the Business exists", displaying dense technical text.

Rich insights often remain hidden

Priya's persona one-pager

Priya · Illustrative persona for AI × Design 2026

I want to focus on my business, not on my banking.
  • Business: Mobile dog grooming, inner suburbs
  • Structure: Sole trader
  • Size: Small
    • Low turnover, no employees
  • Banking: Simple banking
    • Business bank account, credit card
    • Square for card payments
    • Xero for invoicing
    • BAS, Quarterly owner accounted
  • Mindset: Digital-first
    • Self service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a business without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A small overdraft for slow weeks and cash-flow issues
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and PAYG
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without warning and require a phone query
  • Lending conversations that feel like they're built for businesses with premises
  • GST and BAS surprises
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

Rich research insights

Phase 2 - setting up

Phase 1 - before the business exists

A persona card titled "Priya" showing an illustration of a woman grooming a dog next to a mobile dog grooming van. Two overlapping document snippets, representing research insights, titled "Phase 2 - setting up" and "Phase 1 - before the business exists" are visible.

Rich insights often remain hidden

Priya's persona one-pager

Priya - Illustrative persona for AI x Design 2026

"I want to focus on my business, not on my banking."

  • Role: Mobile dog groomer
  • Business: Mobile dog grooming, inner suburbs
  • Structure: Sole trader
  • Size: Small (Low turnover, no employees)
  • Simple banking: Square for POS and credit card, Square for payroll, credit card, Xero, online bank (ANZ), BASC, QuickBooks, PayPal
  • Digital-first: Self-service and mobile banking

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a small team, without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • Email reminders for slow-weeks and quiet weeks
  • Clear integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without explanation in her bank account query
  • Lending conversations that feel like they're built for businesses bigger than hers
  • GST and BAS worries
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

Rich research insights

Phase 2 - Setting up

Phase 1 - Before the business starts

An illustration depicts Priya, a woman in a blue uniform, grooming a golden retriever dog next to a white mobile dog grooming van. Two overlapping document screenshots show detailed research reports titled "Phase 2 - Setting up" and "Phase 1 - Before the business starts."
<section class='slide-text'> <h3>Rich insights often remain hidden</h3> <h4>Priya's persona one-pager</h4> <h5>Priya · Illustrative persona for AI &times; Design 2026</h5> <blockquote>“I want to focus on my business, not on my banking.”</blockquote> <h6>Business</h6> <ul> <li>Mobile dog grooming, inner suburbs</li> </ul> <h6>Structure</h6> <ul> <li>Sole trader</li> </ul> <h6>Size</h6> <ul> <li>Small</li> </ul> <h6>Employees</h6> <ul> <li>Low turnover, no employees</li> </ul> <h6>Banking</h6> <ul> <li>Simple banking <ul> <li>Pay for

Rich insights often remain hidden

Priya's persona one-pager

Priya - Illustrative persona for AI x Design 2026

"I want to focus on my business, not on my banking."

Business:
  • Mobile dog grooming, inner suburbs
  • Structure: Sole trader
  • Size: Small
  • Low turnover, no employees
  • Banking: Simple Banking
  • Digital first accounts, credit card
  • Square for pos, payments
  • No business loan
  • BAS quarterly, none accounted
  • Mindset: Digital-first
  • Self-service and mobile banking
Goals
  • Keep the diary full without working seven days
  • Move from sole trader to a business without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer
Banking needs
  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • Low-fee accounts for slow weeks and quiet seasons
  • Clean integration between the bank, Xero and Square
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better
Pain points
  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's worked solid all week
  • Fees that show up without warning and erode her tiny salary
  • Lending conversations that feel like they're built for businesses ten times her size
  • GST and BAS worries
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

Rich research insights

Phase 2 - Setting up
Phase 1 - Before the Business exists

An illustration depicts a female persona, Priya, with a dog beside a mobile dog grooming van. Two document screenshots are shown, titled "Phase 2 - Setting up" and "Phase 1 - Before the Business exists," containing dense textual research insights.

Rich insights often remain hidden

Priya's persona one-pager

Rich research insights

A screenshot of a persona document titled "Priya · Illustrative persona for AI × Design 2026". The document features an illustration of a woman grooming a dog from a mobile van, and organized sections for Business, Banking, Goals, Banking Needs, and Pain Points. Two additional screenshots display pages from detailed research insights documents, one titled "Phase 2 - Setting up" and the other "Phase 1 - Before the business starts".

Rich insights often remain hidden

Priya's persona one-pager

Priya · Illustrative persona for AI × Design 2026

I want to focus on my business, not on my banking.
  • Business: Mobile dog grooming, inner suburbs
  • Structure: Sole trader
  • Size: Small
  • Banking: Simple banking
  • Banking: Digital-first

Goals

  • Keep the diary full without working seven days
  • Move from sole trader to a small business without it becoming a second job
  • Get paid faster and chase fewer invoices
  • Build a buffer so a quiet month doesn't turn into a crisis
  • Spend less time on admin, more time with dogs (and her kids)
  • Eventually buy a second van and hire a groomer

Banking needs

  • Mobile-first experience
  • Fast, reliable card payments in the van, even in poor reception
  • A bank account for slow weeks and rainy winters
  • Clean integration between the bank feed and Xero
  • A simple way to set money aside for GST and tax
  • Help understanding lending options better

Pain points

  • Phone support that makes her re-explain things every time
  • Being told to "come into a branch" when she's booked solid all week
  • Fees that show up without warning and need a phone query
  • Lending conversations that feel like they're built for businesses ten times her size
  • Tax and BAS mistakes
  • The mental load of being the bookkeeper, marketer, customer service, and groomer all at once

Rich research insights

Phase 2 - Setting up

Phase 1 - Before the business starts

An illustration shows a woman, Priya, in a blue uniform grooming a dog in front of a white mobile grooming van. To the right, two documents titled "Phase 2 - Setting up" and "Phase 1 - Before the Business starts" are displayed, showing dense research insight text.

AI enables an ongoing conversation with research insights.

AI enables an ongoing conversation with research insights.

AI enables an ongoing conversation with research insights.

A small blue logo of a stylized plant or person is in the bottom right corner.

AI enables an ongoing conversation with research insights.

A small stylized blue logo resembling a leaf or person is in the bottom right corner.

Priya • Demo SME persona

A screenshot of an application interface showing a persona profile. The profile is named "Priya - Demo SME persona" and features an illustration of a person with styling tools in their hair. Below the persona name, it says "Created by Boris Divjak". The interface includes a message input field labeled "Message Copilot".

Priya • Demo SME persona

Screenshot of an AI chat interface featuring a persona named Priya, described as a Demo SME persona, with an input field to "Message Copilot".

Priya • Demo SME persona

Screenshot of an application interface, likely a Copilot or AI assistant tool, displaying a profile titled "Priya • Demo SME persona" with a message input field.

Priya • Demo SME persona

Screenshot of a chat interface for an AI assistant named Priya, showing an input field labeled "Message Copilot".

Priya • Demo SME persona

Screenshot of a chat interface for an AI persona named Priya, created by Boris Divjak, with an input field labeled "Message Copilot".

Priya • Demo SME persona

Created by Boris Divjak

Screenshot of an application interface featuring a persona profile named Priya, with a text input field labeled 'Message Copilot'.

Priya • Demo SME persona

Screenshot of an AI assistant chat interface showing a persona named Priya, with an input field labeled "Message Copilot".

Priya • Demo SME persona

Screenshot of an AI assistant interface with a persona profile named Priya and a message input field labeled "Message Copilot".

Priya • Demo SME persona

Screenshot of a chat application interface for a persona titled 'Priya - Demo SME persona', showing an input field with a question about invoicing.

Priya - Demo SME persona

Screenshot of a chat interface, possibly Microsoft Copilot, displaying a conversation with 'Priya - Demo SME persona'. A user prompt asks 'How do you handle invoicing? What works, what doesn't?' and Priya's response is pending with the message 'Lining things up...'.

Copilot Chat with Priya - Demo SME persona

How do you handle invoicing? What works, what doesn't?

Priya - Demo SME persona: For me, invoicing is something I try to keep as lightweight as possible. Most of my work is paid on the spot, which is ideal because it keeps cash flow predictable and means less admin at night after a long day in the van. I only invoice when I have to, usually for commercial or repeat clients who expect it, and I run that through Xero so it stays tied to my BAS and accountant workflow.

Screenshot of a Copilot chat interface displaying a conversation with an AI persona named 'Priya - Demo SME persona' about handling invoicing.

Priya - Demo SME persona > Invoicing Best Practices and Challenges

...through Xero so it stays tied to my BAS and accountant workflow.

What works well

is having invoices generated digitally and sent straight away. When payments come in via PayID or bank transfer, it's fast and easy to reconcile, and automated reminders help because I don't like chasing people. It feels more professional without being awkward, and it saves me time I'd rather spend working or resting.

What doesn't work

is delayed payment. Even a couple of late invoices can throw off my week-to-week cash flow. Chasing payments is uncomfortable and time-consuming, and partial payments or unclear references make reconciliation harder than it should be.

In short:

  • On-the-spot payment is best for cash flow
  • Digital invoicing and reminders help
  • Late or messy payments create stress and admin drag

Priya • Demo SME persona > Invoicing Best Practices and Challenges

through Xero so it stays tied to my BAS and accountant workflow.

What works well is having invoices generated digitally and sent straight away. When payments come in via PayID or bank transfer, it's fast and easy to reconcile, and automated reminders help because I don't like chasing people. It feels more professional without being awkward, and it saves me time I'd rather spend working or resting.

What doesn't work is delayed payment. Even a couple of late invoices can throw off my week-to-week cash flow. Chasing payments is uncomfortable and time-consuming, and partial payments or unclear references make reconciliation harder than it should be.

In short:

  • On-the-spot payment is best for cash flow
  • Digital invoicing and reminders help
  • Late or messy payments create stress and admin drag

Message Copilot

Screenshot of a digital interface, likely an AI assistant or document editor, displaying text about invoicing best practices and challenges, with a "Message Copilot" input field at the bottom.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

Chasing payments is uncomfortable and time-consuming, and partial payments or unclear references make reconciliation harder than it should be.

In short:

  • On-the-spot payment is best for cash flow
  • Digital invoicing and reminders help
  • Late or messy payments create stress and admin drag

Suggested interactive prompts for the AI:

  • How do you manage late payments?
  • What tools do you use for invoicing?
  • Any tips for keeping invoicing simple?

An input field labeled "Message Copilot" is present.

Screenshot of an AI chat interface (Copilot) displaying a summary of invoicing best practices and challenges for a persona named Priya, with suggested follow-up questions and an input field.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

flow. Chasing payments is uncomfortable and time-consuming, and partial payments or unclear references make reconciliation harder than it should be.

In short:

  • On-the-spot payment is best for cash flow
  • Digital invoicing and reminders help
  • Late or messy payments create stress and admin drag

Suggested questions:

  • How do you manage late payments?
  • What tools do you use for invoicing?
  • Any tips for keeping invoicing simple?
A screenshot of a conversational AI interface displaying text about invoicing best practices and challenges, followed by suggested follow-up questions, and an input field for a new query.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

flow. Chasing payments is uncomfortable and time-consuming, and partial payments or unclear references make reconciliation harder than it should be.

In short:

  • On-the-spot payment is best for cash flow
  • Digital invoicing and reminders help
  • Late or messy payments create stress and admin drag

Suggested questions:

  • How do you manage late payments?
  • What tools do you use for invoicing?
  • Any tips for keeping invoicing simple?

User input: What tools do you use for invoicing and payments?

Screenshot of an AI chat interface discussing invoicing best practices and challenges for a small to medium enterprise (SME) persona named Priya.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

What tools do you use for invoicing and payments?

Priya • Demo SME persona

I keep it pretty simple. For invoicing, I use Xero because it ties everything together for me. When I do need to invoice, mostly for commercial or repeat clients, I can raise it quickly, send it straight from my phone, and it all feeds into BAS and my accountant without extra effort. That integration matters because I don’t have time to duplicate admin after long days working out of the van.

For payments, most customers pay on the spot using Square in the van, which is honestly the easiest setup I’ve had. I also use PayID for invoice payments because it’s fast, familiar for customers, and usually clears quickly. Everything funnels into my business transaction account, so reconciliation is mostly painless, as long as people use the right reference.

Overall, I try to stick with tools that are mobile-friendly, low-friction, and don’t make a small business feel

Message Copilot

Screenshot of a chat interface displaying a conversation about invoicing and payment tools.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

it all feeds into BAS and my accountant without extra effort. That integration matters because I don’t have time to duplicate admin after long days working out of the van.

For payments, most customers pay on the spot using Square in the van, which is honestly the easiest setup I’ve had. I also use PayID for invoice payments because it’s fast, familiar for customers, and usually clears quickly. Everything funnels into my business transaction account, so reconciliation is mostly painless, as long as people use the right reference.

Overall, I try to stick with tools that are mobile-friendly, low-friction, and don’t make a small business feel more complicated than it needs to be.

In short:

  • Xero for invoicing and books
  • Square for on-the-spot card payments
  • PayID for fast invoice payments

Priya • Demo SME persona > Invoicing Best Practices and Challenges

Overall, I try to stick with tools that are mobile-friendly, low-friction, and don't make a small business feel more complicated than it needs to be.

In short:

  • Xero for invoicing and books
  • Square for on-the-spot card payments
  • PayID for fast invoice payments
  • How do you manage cash flow with these tools?
  • What credit options do you use for quiet periods?
  • Any tips for handling late payments effectively?

Message Copilot

Screenshot of a chat interface within a document or knowledge base, showing an AI assistant's response to a query about invoicing best practices. The response lists Xero, Square, and PayID as recommended tools, along with potential follow-up questions.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

Screenshot of an AI chat interface displaying a conversation about invoicing best practices for a small business, including a generated response and suggested follow-up questions.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

A screenshot of a chat interface showing a conversation with an AI assistant named "Priya - Demo SME persona".

Priya • Demo SME persona > Invoicing Best Practices and Challenges

Screenshot of a conversational AI interface (Copilot) showing a chat window with a user query about handling payment issues with a bank, and a "Lining things up..." message from the AI.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

How do you handle payment issues with your bank?

Priya • Demo SME persona: When payment issues come up, I usually try to sort them digitally first because I'm working out of the van and don't have time for long calls. If a payment is delayed or missing, I'll check my

Screenshot of a chat interface, labeled "Priya • Demo SME persona", showing a conversation about handling payment issues with a bank.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

Screenshot of a conversational AI interface. It displays a chat session with a user's question and a response from a persona.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

Screenshot of a chat interface showing a question and a detailed response from a persona named Priya regarding handling payment issues with a bank.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

When payment issues come up, I usually try to sort them digitally first because I'm working out of the van and don't have time for long calls. If a payment is delayed or missing, I'll check my transaction account and Xero to make sure it's not just a reconciliation issue. Most of the time it's something simple like a customer using the wrong reference or a PayID delay, so I try to resolve it myself before escalating.

If it is genuinely a bank issue, that's when it gets frustrating. I'll contact the bank through in-app chat or phone, but I really notice how hard it is to explain context quickly as a small business. I want fast, practical help, not to be treated like a large corporate or pushed into generic scripts. When support is slow, it adds stress because cash flow is very week-to-week for me.

In short:

  • I self-check first using my accounts and Xero
  • I escalate digitally if needed
  • Slow or generic support creates stress

Message Copilot

Screenshot of a chat interface displaying a conversation with a persona named Priya about invoicing best practices and challenges, including her process for resolving payment issues. An input field at the bottom is labeled "Message Copilot".

Priya • Demo SME persona > Invoicing Best Practices and Challenges

When payment issues come up, I usually try to sort them digitally first because I'm working out of the van and don't have time for long calls. If a payment is delayed or missing, I'll check my transaction account and Xero to make sure it's not just a reconciliation issue. Most of the time it's something simple like a customer using the wrong reference or a PayID delay, so I try to resolve it myself before escalating.

If it is genuinely a bank issue, that's when it gets frustrating. I'll contact the bank through in-app chat or phone, but I really notice how hard it is to explain context quickly as a small business. I want fast, practical help, not to be treated like a large corporate or pushed into generic scripts. When support is slow, it adds stress because cash flow is very week-to-week for me.

In short:

  • I self-check first using my accounts and Xero
  • I escalate digitally if needed
  • Slow or generic support creates stress

Message Copilot input field.

A screenshot of a software interface showing a document or chat window with a profile picture labeled "Priya" at the top left, followed by the slide title. Below the main text, there is an input field labeled "Message Copilot" with a microphone icon, suggesting an AI chat interface.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

When payment issues come up, I usually try to sort them digitally first because I'm working out of the van and don't have time for long calls. If a payment is delayed or missing, I'll check my transaction account and Xero to make sure it's not just a reconciliation issue. Most of the time it's something simple like a customer using the wrong reference or a PayID delay, so I try to resolve it myself before escalating.

If it is genuinely a bank issue, that's when it gets frustrating. I'll contact the bank through in-app chat or phone, but I really notice how hard it is to explain context quickly as a small business. I want fast, practical help, not to be treated like a large corporate or pushed into generic scripts. When support is slow, it adds stress because cash flow is very week-to-week for me.

In short:

  • I self-check first using my accounts and Xero
  • I escalate digitally if needed
  • Slow or generic support creates stress

Message Copilot

Screenshot of a digital assistant interface displaying a persona description for a small to medium-sized enterprise (SME) named Priya, detailing her invoicing challenges and best practices, within a chat window titled 'Message Copilot'.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

When payment issues come up, I usually try to sort them digitally first because I'm working out of the van and don't have time for long calls. If a payment is delayed or missing, I'll check my transaction account and Xero to make sure it's not just a reconciliation issue. Most of the time it's something simple like a customer using the wrong reference or a PayID delay, so I try to resolve it myself before escalating.

If it is genuinely a bank issue, that's when it gets frustrating. I'll contact the bank through in-app chat or phone, but I really notice how hard it is to explain context quickly as a small business. I want fast, practical help, not to be treated like a large corporate or pushed into generic scripts. When support is slow, it adds stress because cash flow is very week-to-week for me .

In short:

  • I self-check first using my accounts and Xero
  • I escalate digitally if needed
  • Slow or generic support creates stress
Screenshot of a digital interface displaying text content, representing a persona's statement about invoicing challenges, with a "Message Copilot" input field at the bottom.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

Screenshot of a digital interface, likely a chat or AI assistant like Copilot, displaying text from a persona about invoicing best practices and challenges for a small to medium-sized enterprise (SME).

Priya • Demo SME persona > Invoicing Best Practices and Challenges

Screenshot of a digital interface, likely an AI chat or persona application, showing a user persona named 'Priya' with text describing her invoicing best practices and challenges, and an input field labeled 'Message Copilot'.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

When payment issues come up, I usually try to sort them digitally first because I'm working out of the van and don't have time for long calls. If a payment is delayed or missing, I'll check my transaction account and Xero to make sure it's not just a reconciliation issue. Most of the time it's something simple like a customer using the wrong reference or a PayID delay, so I try to resolve it myself before escalating.

If it is genuinely a bank issue, that's when it gets frustrating. I'll contact the bank through in-app chat or phone, but I really notice how hard it is to explain context quickly as a small business. I want fast, practical help, not to be treated like a large corporate or pushed into generic scripts. When support is slow, it adds stress because cash flow is very week-to-week for me.

In short:

  • I self-check first using my accounts and Xero
  • I escalate digitally if needed
  • Slow or generic support creates stress
A screenshot of a digital interface showing text content about "Invoicing Best Practices and Challenges" from the perspective of a small business persona named Priya. At the bottom, there's an input field labeled "Message Copilot" with a plus icon, indicating an AI chat or interaction feature.

Priya • Demo SME persona › Invoicing Best Practices and Challenges

When payment issues come up, I usually try to sort them digitally first because I'm working out of the van and don't have time for long calls. If a payment is delayed or missing, I'll check my transaction account and Xero to make sure it's not just a reconciliation issue. Most of the time it's something simple like a customer using the wrong reference or a PayID delay, so I try to resolve it myself before escalating.

If it is genuinely a bank issue, that's when it gets frustrating. I'll contact the bank through in-app chat or phone, but I really notice how hard it is to explain context quickly as a small business. I want fast, practical help, not to be treated like a large corporate or pushed into generic scripts. When support is slow, it adds stress because cash flow is very week-to-week for me.

In short:

  • I self-check first using my accounts and Xero
  • I escalate digitally if needed
  • Slow or generic support creates stress

An input field labeled "Message Copilot" is visible at the bottom of the interface, with a plus icon.

A screenshot of a digital interface displaying a document or chat titled "Priya • Demo SME persona › Invoicing Best Practices and Challenges". The content discusses a small business owner's process for handling payment issues and their preferences for digital, non-generic support. The interface includes a sidebar with icons and an input field at the bottom labeled "Message Copilot".

Priya • Demo SME persona > Invoicing Best Practices and Challenges

Screenshot of an AI assistant or chat interface (likely Copilot) displaying text about a small and medium-sized enterprise (SME) persona's invoicing best practices and challenges, with an input field labeled "Message Copilot" at the bottom.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

Screenshot of an application interface, likely an AI-powered assistant or Copilot. The interface displays a document or chat related to "Invoicing Best Practices and Challenges" for a persona named "Priya", with a text input field labeled "Message Copilot" at the bottom.

Priya • Demo SME persona > Invoicing Best Practices and Challenges

Screenshot of an application interface showing a document-like view with a title, a large text area, and a message input field labeled "Message Copilot".

Priya • Demo SME persona > Invoicing Best Practices and Challenges

When payment issues come up, I usually try to sort them digitally first because I’m working out of the van and don’t have time for long calls. If a payment is delayed or missing, I’ll check my transaction account and Xero to make sure it’s not just a reconciliation issue. Most of the time it’s something simple like a customer using the wrong reference or a PayID delay, so I try to resolve it myself before escalating.

If it is genuinely a bank issue, that’s when it gets frustrating. I’ll contact the bank through in-app chat or phone, but I really notice how hard it is to explain context quickly as a small business. I want fast, practical help, not to be treated like a large corporate or pushed into generic scripts. When support is slow, it adds stress because cash flow is very week-to-week for me.

In short:

  • I self-check first using my accounts and Xero
  • I escalate digitally if needed
  • Slow or generic support creates stress

Message Copilot

Screenshot of a software interface, likely an AI assistant or Copilot, displaying a user's feedback or persona description. On the left is a navigation sidebar with icons, and at the bottom is an input field labeled "Message Copilot".

Priya - Demo SME persona > Invoicing Best Practices and Challenges

A screenshot of an application interface displaying text content about "Priya - Demo SME persona" and "Invoicing Best Practices and Challenges". The interface includes a sidebar with icons and a message input field at the bottom labeled "Message Copilot".

Tracing Priya's answers

Priya • Demo SME persona

I keep it pretty simple. For invoicing, I use Xero because it ties everything together. I typically use it to invoice, mostly for commercial or repeat clients, I can raise it quickly, send it straight off, and it all feeds into BAS and my accountant without extra effort. That integration matters a lot, saving me time to duplicate admin after long days working out of the van.

For payments, most customers pay on the spot using Square in the van, which is handy. I've had. I also use PayID for invoice payments because it's fast, familiar for customers, and settles quickly. Everything funnels into my business transaction account, so reconciliation is much easier as people use the right reference.

Overall, I try to stick with tools that are mobile-friendly, low-friction, and don't make things more complicated than it needs to be.

Priya's narrative –
agent's knowledge source

Episode 9. Setting up payments

Job to be done: Make it easy for clients to pay me on the spot, even in the van.

Priya signs up for Square. The reader arrives in three days, links to ANZ account, and means clients can tap to pay in the van the moment they finish. She enables PayID against her business ABN so clients can transfer without account number — something she learned about from a Westpac... She sets her invoice template up in Square so receipts go automatically every time, becomes one of the best decisions she'll ever make.

Episode 13. Connecting Xero to the bank feed

Job to be done: Stop spending Sunday nights reconciling.

Her accountant has been pushing for Xero since day one. Priya finally gives in, because doing GST manually is now making her cry. She sets up the ANZ business account into Xero, connects Square as a separate feed on Saturday categorising the backlog. After that, reconciliation takes two instead of three hours a month. She still resents the $80-ish monthly cost but admits, privately, it's worth it.

Two columns of text, side-by-side, comparing "Priya's answers" (left) and "Priya's narrative - agent's knowledge source" (right). Key phrases are highlighted in both columns. An arrow links "For invoicing, I use Xero because it ties everything together" from the left to "Make it easy for clients to pay me on the spot, even in the van" in the right column. Another arrow links "reconciliation" from the left to "reconciliation" in the right column.

Tracing Priya's answers

Priya • Demo SME persona

I keep it pretty simple. For invoicing, I use Xero because it ties everything together. I use it to invoice, mostly for commercial or repeat clients, I can raise it quickly, send it straight off. It all feeds into BAS and my accountant without extra effort. That integration matters – saves me time to duplicate admin after long days working out of the van.

For payments, most customers pay on the spot using Square in the van, which is handy. It’s the easiest tool I’ve had. I also use PayID for invoice payments because it’s fast, familiar for customers, and settles quickly. Everything funnels into my business transaction account, so reconciliation is important – as people use the right reference.

Overall, I try to stick with tools that are mobile-friendly, low-friction, and don’t make things more complicated than it needs to be.

Priya's narrative – agent's knowledge source

Episode 9. Setting up payments

Job to be done: Make it easy for clients to pay me on the spot, even in the van.

Priya signs up for Square. The reader arrives in three days, links to her bank account, and means clients can tap to pay in the van the moment they need to. It enables PayID against her business ABN so clients can transfer with a linked account number – something she learned about from a Westpac branch. She sets her invoice template up in Square so receipts go automatically every time, becomes one of the best decisions she'll ever make.

Episode 13. Connecting Xero to the bank feed

Job to be done: Stop spending Sunday nights reconciling.

Her accountant has been pushing for Xero since day one. Priya finally made the switch because doing GST manually is now making her cry. She sets up the ANZ business account into Xero, connects Square as a separate feed and spends Saturday categorising the backlog. After that, reconciliation takes two to three hours instead of three hours a month. She still resents the $80-ish monthly fee she admits, privately, it’s worth it.

A slide split into two main vertical panels. The left panel is titled "Tracing Priya's answers" and describes a demo SME persona's experience with invoicing, payments, and reconciliation using tools like Xero, Square, and PayID. Key phrases within this text are highlighted. The right panel is titled "Priya's narrative – agent's knowledge source" and details two "episodes": "Setting up payments" and "Connecting Xero to the bank feed," providing more context on Priya's actions and motivations regarding Square, PayID, and Xero. Arrows visually connect highlighted points from Priya's answers on the left to corresponding narrative sections on the right. At the bottom of the slide are the logos for "ai x design", "web directions", and "UX Australia".

Tracing Priya's answers

Priya • Demo SME persona

I keep it pretty simple. For invoicing, I use Xero because it ties everything together. I raise to invoice, mostly for commercial or repeat clients, I can raise it quickly, send it straight out and it all feeds into BAS and my accountant without extra effort. That integration matters because it saves me time to duplicate admin after long days working out of the van.

For payments, most customers pay on the spot using Square in the van, which is handy. I've had. I also use PayID for invoice payments because it's fast, familiar for customers, and settles quickly. Everything funnels into my business transaction account, so reconciliation is easy as people use the right reference.

Overall, I try to stick with tools that are mobile-friendly, low-friction, and don't make things more complicated than it needs to be.

Priya's narrative – agent's knowledge source

Episode 9. Setting up payments

Job to be done: Make it easy for clients to pay me on the spot, even in the van.

Priya signs up for Square. The reader arrives in three days, links to her bank account, and means clients can tap to pay in the van the moment she finishes. It enables PayID against her business ABN so clients can transfer without knowing her account number — something she learned about from a Westpac colleague. She sets her invoice template up in Square so receipts go automatically every time, becomes one of the best decisions she'll ever make.

Episode 13. Connecting Xero to the bank feed

Job to be done: Stop spending Sunday nights reconciling.

Her accountant has been pushing for Xero since day one. Priya finally gives in because doing GST manually is now making her cry. She sets up the ANZ business account into Xero, connects Square as a separate feed and spends a Saturday categorising the backlog. After that, reconciliation takes two minutes instead of three hours a month. She still resents the $80-ish monthly fee but admits, privately, it's worth it.

The slide displays two panels side-by-side, tracing information. The left panel, titled "Tracing Priya's answers," shows a text response attributed to a "Priya • Demo SME persona." The right panel, titled "Priya's narrative – agent's knowledge source," contains two sections: "Episode 9. Setting up payments" and "Episode 13. Connecting Xero to the bank feed." Arrows connect highlighted phrases in Priya's answer on the left to their corresponding source text in Priya's narrative on the right.

Tracing Priya's answers

Priya • Demo SME persona

I keep it pretty simple. For invoicing, I use Xero because it ties everything together to invoice, mostly for commercial or repeat clients, I can raise it quickly, send it straight off. It all feeds into BAS and my accountant without extra effort. That integration matters – saves me time to duplicate admin after long days working out of the van.

For payments, most customers pay on the spot using Square in the van, which is helpful as often I'm busy and don't have my card machine with me. It’s the best setup I’ve had. I also use PayID for invoice payments because it's fast, familiar for customers, and the funds arrive in my bank account quickly. Everything funnels into my business transaction account, so reconciliation is easy and customers can send money as people use the right reference.

Overall, I try to stick with tools that are mobile-friendly, low-friction, and don't make things more complicated than it needs to be.

Priya's narrative – agent's knowledge source

Episode 9. Setting up payments

Job to be done: Make it easy for clients to pay me on the spot, even in the van.

Priya signs up for Square. The reader arrives in three days, links to her bank account, and means clients can tap to pay in the van the moment the job is done. It enables PayID against her business ABN so clients can transfer without needing an account number — something she learned about from a Westpac ad. She sets her invoice template up in Square so receipts go automatically every time, becomes one of the best decisions she'll ever make.

Episode 13. Connecting Xero to the bank feed

Job to be done: Stop spending Sunday nights reconciling.

Her accountant has been pushing for Xero since day one. Priya finally agrees, because doing GST manually is now making her cry. She sets up the ANZ business account into Xero, connects Square as a separate feed, and spends Saturday categorising the backlog. After that, reconciliation takes twenty minutes instead of three hours a month. She still resents the $80-ish monthly fee but admits, privately, it’s worth it.

The slide presents two columns of text side-by-side. The left column, titled "Tracing Priya's answers," contains text from a persona describing her invoicing and payment methods, highlighting her use of Xero, Square, and PayID, and mentioning reconciliation. The right column, titled "Priya's narrative – agent's knowledge source," details two "episodes" related to setting up payments and connecting Xero to a bank feed, also highlighting the use of Square, PayID, Xero, and reconciliation. Two blue arrows connect highlighted phrases from the left column to corresponding sections in the right column, illustrating how Priya's answers are traced back to the knowledge source.

<section class='slide-text'><h3>Tracing Priya's answers</h3><h4>Priya • Demo SME persona</h4><p>I keep it pretty simple. <strong>For invoicing, I use Xero because it ties everything together</strong> to invoice, mostly for commercial or repeat clients, I can raise it quickly, send it straight to BAS and my accountant without extra effort. That integration matters because I hate having to duplicate admin after long days working out of the van.</p><p>For payments, most <strong>customers pay on the spot using Square in the van</strong>, which is helpful as it minimizes outstanding invoices I’ve had. I also use <strong>PayID for invoice payments</strong> because it’s fast, familiar for customers, and settles into my bank account quickly. Everything funnels into my
<section class='slide-text'> <h3>Tracing Priya's answers</h3> <p><strong>Priya • Demo SME persona</strong></p> <p>I keep it pretty simple. <strong>For invoicing, I use Xero because it ties everything together.</strong> I need to invoice, mostly for commercial or repeat clients, I can raise it quickly, send it straight out. It all feeds into BAS and my accountant without extra effort. That integration matters because it saves me time to duplicate admin after long days working out of the van.</p> <p>For payments, most <strong>customers pay on the spot using Square in the van</strong>, which is handy. It's the best option I've had. I also use <strong>PayID for invoice payments</strong> because it's fast, familiar for customers, and settles quickly. Everything funnels into my business transaction account, so <strong>reconciliation</strong> is easy for people use the right reference.</p> <p>Overall, I try to stick with tools that are mobile-friendly, low-friction, and don't make things more complicated than it needs to be.</p> <h3>Priya's narrative – agent's knowledge source</h3> <h4>Episode 9. Setting up payments</h4> <p>Job to be done: <strong>Make it easy for clients to pay me on the spot, even in the van.</strong></p> <p>Priya signs up for Square. The reader arrives in three days, links to her bank account, and means clients can tap to

Tracing Priya's answers

Priya • Demo SME persona

I keep it pretty simple. For invoicing, I use Xero because it ties everything together to invoice, mostly for commercial or repeat clients, I can raise it quickly, so it all feeds into BAS and my accountant without extra effort. That integration makes it easy, and reduces time to duplicate admin after long days working out of the van.

For payments, most customers pay on the spot using Square in the van, which is why I’ve had. I also use PayID for invoice payments because it's fast, familiar for customers, and settles quickly. Everything funnels into my business transaction account, so reconciliation is easier, and people use the right reference.

Overall, I try to stick with tools that are mobile-friendly, low-friction, and don't make things more complicated than it needs to be.

Priya's narrative – agent's knowledge source

Episode 9. Setting up payments

Job to be done: Make it easy for clients to pay me on the spot, even if I'm not in the office. Priya signs up for Square. The reader arrives in three days, links to her existing bank account, and means clients can tap to pay in the van the moment a job is complete. It enables PayID against her business ABN so clients can transfer with just her ABN – not an account number – something she learned about from a Westpac training. The integration with Xero means receipts go automatically, reducing admin time. She sets her invoice template up in Square so receipts go automatically, reducing admin time. Every payment, every time, becomes one of the best decisions she'll ever make.

Episode 13. Connecting Xero to the bank feed

Job to be done: Stop spending Sunday nights reconciling. Her accountant has been pushing for Xero since day one. Priya finally gives in, mostly because doing GST manually is now making her cry. She sets up the Xero integration with her ANZ business account into Xero, connects Square as a separate feed so that she can get started with Saturday categorising the backlog. After that, reconciliation takes two hours instead of three hours a month. She still resents the $80-ish monthly fee but admits, privately, it’s worth it.

The slide displays two columns of text side-by-side. The left column is titled "Tracing Priya's answers" and presents a persona's description of their invoicing and payment methods. The right column is titled "Priya's narrative – agent's knowledge source" and details two "Episodes" related to setting up payments and connecting Xero to a bank feed, representing an agent's knowledge derived from the persona's answers. Two horizontal arrows connect phrases in the left column to relevant sections in the right column: one from "For invoicing, I use Xero because it ties everything together" to "Episode 9. Setting up payments", and another from "reconciliation" to "Episode 13. Connecting Xero to the bank feed". A small stylized "W" or interconnected nodes logo is at the bottom right of the right column.

Tracing Priya's answers

Priya • Demo SME persona

I keep it pretty simple. For invoicing, I use Xero because it ties everything together to invoice, mostly for commercial or repeat clients, I can raise it quickly, se it all feeds into BAS and my accountant without extra effort. That integrati matte time to duplicate admin after long days working out of the van.

For payments, most customers pay on the spot using Square in the van, whic I've had. I also use PayID for invoice payments because it's fast, familiar for custom quickly. Everything funnels into my business transaction account, so reconciliation as people use the right reference.

Overall, I try to stick with tools that are mobile-friendly, low-friction, and c more complicated than it needs to be.

Priya's narrative – agent's knowledge source

Episode 9. Setting up payments

Job to be done: Make it easy for clients to pay me on the spot, eve

Priya signs up for Square. The reader arrives in three days, links to h account, and means clients can tap to pay in the van the moment it enables PayID against her business ABN so clients can transfer wit account number — something she learned about from a Westpac She sets her invoice template up in Square so receipts go automat day, every time, becomes one of the best decisions she'll ever mak

Episode 13. Connecting Xero to the bank feed

Job to be done: Stop spending Sunday nights reconciling.

Her accountant has been pushing for Xero since day one. Priya final because doing GST manually is now making her cry. She sets up the ANZ business account into Xero, connects Square as a separate fee Saturday categorising the backlog. After that, reconciliation takes tw instead of three hours a month. She still resents the $80-ish month t admits, privately, it's worth it.

A slide split into two columns. The left column is titled "Tracing Priya's answers" and presents text from a persona, with key phrases highlighted. The right column is titled "Priya's narrative - agent's knowledge source" and contains structured information in two episodes, with corresponding phrases highlighted. Arrows visually connect highlighted phrases from the left column to related phrases in the right column, demonstrating the traceability of answers to source knowledge.
<section class='slide-text'> <h3>Tracing Priya's answers</h3> <h4>Priya • Demo SME persona</h4> <p>I keep it pretty simple. For invoicing, I use Xero because it <strong>ties everything together</strong> to invoice, mostly for commercial or repeat clients, I can raise it quickly, send it straight out. It all feeds into BAS and my accountant without extra effort. That integration matters a lot since I don't have time to duplicate admin after long days working out of the van.</p> <p>For payments, most <strong>customers pay on the spot using Square in the van</strong>, which is how I've had. I also use <strong>PayID for invoice payments</strong> because it's fast, familiar

Tracing Priya's answers

Priya • Demo SME persona

I keep it pretty simple. For invoicing, I use Xero because it ties everything together to invoice, mostly for commercial or repeat clients, I can raise it quickly, send it straight away. It all feeds into BAS and my accountant without extra effort. That integration matters – saves me time to duplicate admin after long days working out of the van.

For payments, most customers pay on the spot using Square in the van, which is handy. I've had. I also use PayID for invoice payments because it's fast, familiar for customers, and settles quickly. Everything funnels into my business transaction account, so reconciliation is simple as people use the right reference.

Overall, I try to stick with tools that are mobile-friendly, low-friction, and don't make my life more complicated than it needs to be.

Priya's narrative – agent's knowledge source

  • Episode 9. Setting up payments

    Job to be done: Make it easy for clients to pay me on the spot, even in the van. Priya signs up for Square. The reader arrives in three days, links to her ANZ business account, and means clients can tap to pay in the van the moment it's done. This also enables PayID against her business ABN so clients can transfer without knowing her account number – something she learned about from a Westpac consultant. She sets her invoice template up in Square so receipts go automatically every time, becomes one of the best decisions she'll ever make.

  • Episode 13. Connecting Xero to the bank feed

    Job to be done: Stop spending Sunday nights reconciling. Her accountant has been pushing for Xero since day one. Priya finally gives in because doing GST manually is now making her cry. She sets up the connection between her ANZ business account into Xero, connects Square as a separate feed, and spends the next Saturday categorising the backlog. After that, reconciliation takes twenty minutes instead of three hours a month. She still resents the $80-ish monthly fee she admits, privately, it's worth it.

The slide is divided into two columns. The left column presents "Priya's answers" as text. The right column presents "Priya's narrative" or "agent's knowledge source" as structured episodes. Two yellow arrows connect specific phrases from Priya's answers to corresponding "Job to be done" statements in the narrative section. The top arrow points from "Xero because it ties everything together" on the left to "Make it easy for clients to pay me on the spot, even in the van" in Episode 9 on the right. The bottom arrow points from "reconciliation" on the left to "Stop spending Sunday nights reconciling" in Episode 13 on the right. Below the narrative text are two small logos: one abstract, resembling a stylized W or three interconnected dots, and another resembling a puzzle piece.

Tracing Priya's answers

Priya • Demo SME persona

I keep it pretty simple. For invoicing, I use Xero because it ties everything together to invoice, mostly for commercial or repeat clients, I can raise it quickly, send it straight to BAS and my accountant without extra effort. That integration matters because I don't have time to duplicate admin after long days working out of the van.

For payments, most customers pay on the spot using Square in the van, which is helpful because it's the fastest I've had. I also use PayID for invoice payments because it's fast, familiar for customers, and settles quickly. Everything funnels into my business transaction account, so reconciliation is simple as people use the right reference.

Overall, I try to stick with tools that are mobile-friendly, low-friction, and don't make my life more complicated than it needs to be.

Priya's narrative – agent's knowledge source

Episode 9. Setting up payments

Job to be done: Make it easy for clients to pay me on the spot, even in the van.

Priya signs up for Square. The reader arrives in three days, links to her bank account, and means clients can tap to pay in the van the moment she finishes. It enables PayID against her business ABN so clients can transfer without an account number — something she learned about from a Westpac consultant. She sets her invoice template up in Square so receipts go automatically every time, becomes one of the best decisions she'll ever make.

Episode 13. Connecting Xero to the bank feed

Job to be done: Stop spending Sunday nights reconciling.

Her accountant has been pushing for Xero since day one. Priya finally gives in because doing GST manually is now making her cry. She sets up the ANZ business account into Xero, connects Square as a separate feed on a Saturday categorising the backlog. After that, reconciliation takes two minutes instead of three hours a month. She still resents the $80-ish monthly fee but admits, privately, it's worth it.

The slide shows text content divided into two columns. The left column, titled "Tracing Priya's answers," contains a persona description and three paragraphs of text. Key phrases within this text are highlighted in yellow and blue. The right column, titled "Priya's narrative - agent's knowledge source," contains two sections: "Episode 9. Setting up payments" and "Episode 13. Connecting Xero to the bank feed," each with a "Job to be done" statement and a descriptive paragraph. Text in the right column is also highlighted. A yellow arrow connects highlighted text about payments from the left column to highlighted text about payments in Episode 9 on the right. Two blue arrows connect highlighted text from the left column (one about invoicing/Xero, another about reconciliation) to the "Connecting Xero to the bank feed" section and a specific sentence about reconciliation in Episode 13 on the right, respectively.

Scalable pipeline with traceable insights

Interview
Transcribe and anonymise
Extract Insights
Tag and categorise key insights with verbatims
Persona Narrative
End-to-end narrative of the persona across key scenarios
Agent
A horizontal flow diagram illustrates a four-step pipeline with arrows connecting each step. The steps are: Interview, Extract Insights, Persona Narrative, and Agent. An illustration of a cartoon character, a woman wearing an apron and holding scissors, is shown next to the 'Agent' step.

Scalable pipeline with traceable insights

Interview

Transcribe and anonymise

Extract Insights

Tag and categorise key insights with verbatims

Persona Narrative

End-to-end narrative of the persona across key scenarios

Agent

A flow diagram illustrating a four-step pipeline: Interview, Extract Insights, Persona Narrative, and Agent. An illustration of a stylized character is shown below the "Agent" step, holding scissors.

Scalable pipeline with traceable insights

Interview

Transcribe and anonymise

Extract Insights

Tag and categorise key insights with verbatims

Persona Narrative

End-to-end narrative of the persona across key scenarios

Agent

A flow diagram illustrates a four-step pipeline: Interview, Extract Insights, Persona Narrative, and Agent. Each step is represented by a dark blue rectangular box with arrows connecting them. Below each step, a short descriptive text explains the action. Next to the "Agent" step, there is an illustration of a person with dark hair, wearing an apron with a paw print, holding a pair of scissors.

Scalable pipeline with traceable insights

Interview: Transcribe and anonymise

Extract Insights: Tag and categorise key insights with verbatims

Persona Narrative: End-to-end narrative of the persona across key scenarios

Agent

A diagram illustrates a four-step linear process flow from "Interview" to "Extract Insights" to "Persona Narrative" to "Agent". An illustration of a person holding scissors is shown next to the "Agent" step.

Scalable pipeline with traceable insights

Interview

  • Transcribe and anonymise

Extract Insights

  • Tag and categorise key insights with verbatims

Persona Narrative

  • End-to-end narrative of the persona across key scenarios

Agent

A diagram illustrates a four-step pipeline connected by arrows: "Interview", "Extract Insights", "Persona Narrative", and "Agent". Below the "Agent" step, there is an illustration of a person with dark hair, wearing a light blue apron with a paw print, holding a pair of scissors.

Scalable pipeline with traceable insights

  • Interview

    Transcribe and anonymise

  • Extract Insights

    Tag and categorise key insights with verbatims

  • Persona Narrative

    End-to-end narrative of the persona across key scenarios

  • Agent

An illustration of a person, possibly a stylist or hairdresser, holding scissors and a comb, associated with the 'Agent' step in the pipeline.

Scalable pipeline with traceable insights

  • Interview

    Transcribe and anonymise

  • Extract Insights

    Tag and categorise key insights with verbatims

  • Persona Narrative

    End-to-end narrative of the persona across key scenarios

  • Agent

A diagram illustrating a four-step linear pipeline for scalable insights. The steps are labeled 'Interview', 'Extract Insights', 'Persona Narrative', and 'Agent', connected by arrows. Below each step, a short description explains the action. An illustration of a person with dark hair, wearing a light blue apron with a paw print, holding scissors and a paper cutout of a human figure is placed below the 'Agent' step.

Scalable pipeline with traceable insights

  • Interview

    Transcribe and anonymise

  • Extract Insights

    Tag and categorise key insights with verbatims

  • Persona Narrative

    End-to-end narrative of the persona across key scenarios

  • Agent

A process flow diagram illustrates a pipeline with four sequential steps: Interview, Extract Insights, Persona Narrative, and Agent. Next to the Agent step is an illustration of a person holding scissors and a comb.

Scalable pipeline with traceable insights

  • Interview: Transcribe and anonymise
  • Extract Insights: Tag and categorise key insights with verbatims
  • Persona Narrative: End-to-end narrative of the persona across key scenarios
  • Agent
A diagram illustrates a four-step pipeline with arrows connecting rectangular blocks: "Interview", "Extract Insights", "Persona Narrative", and "Agent". Below the "Agent" block is an illustration of a person holding scissors and a comb, wearing an apron with a paw print.

Scalable pipeline with traceable insights

Interview

Transcribe and anonymise

Extract Insights

Tag and categorise key insights with verbatims

Persona Narrative

End-to-end narrative of the persona across key scenarios

Agent

A flow diagram illustrates a four-step pipeline with arrows connecting each step: Interview, Extract Insights, Persona Narrative, and Agent. An illustration of a person with dark hair, wearing a blue shirt with a paw print logo, holds a pair of scissors and is associated with the 'Agent' step.

Scalable pipeline with traceable insights

Interview

Transcribe and anonymise

Extract Insights

Tag and categorise key insights with verbatims

Persona Narrative

End-to-end narrative of the persona across key scenarios

Agent

A flow diagram illustrating a four-step pipeline: Interview, Extract Insights, Persona Narrative, and Agent. Under the 'Agent' step, there is an illustration of a person with dark hair, wearing an apron with a paw print, holding a pair of scissors.

Scalable pipeline with traceable insights

  1. Interview

    Transcribe and anonymise

  2. Extract Insights

    Tag and categorise key insights with verbatims

  3. Persona Narrative

    End-to-end narrative of the persona across key scenarios

  4. Agent

A flow diagram illustrates a four-step pipeline: Interview, Extract Insights, Persona Narrative, and Agent. An illustration next to 'Agent' shows a person holding scissors.

Scalable pipeline with traceable insights

Interview: Transcribe and anonymise

Extract Insights: Tag and categorise key insights with verbatims

Persona Narrative: End-to-end narrative of the persona across key scenarios

Agent

A flow diagram illustrating a four-step pipeline: Interview, Extract Insights, Persona Narrative, and Agent. An illustration of a character, possibly an agent, holding a pair of scissors is associated with the Agent step.

Scalable pipeline with traceable insights

  • Interview

    Transcribe and anonymise

  • Extract Insights

    Tag and categorise key insights with verbatims

  • Persona Narrative

    End-to-end narrative of the persona across key scenarios

  • Agent

A flow diagram illustrating a four-step pipeline: Interview, Extract Insights, Persona Narrative, and Agent. The "Agent" step is accompanied by an illustration of a person holding scissors, wearing an apron with a dog paw print on it.

Scalable pipeline with traceable insights

  1. Interview

    Transcribe and anonymise

  2. Extract Insights

    Tag and categorise key insights with verbatims

  3. Persona Narrative

    End-to-end narrative of the persona across key scenarios

  4. Agent
A four-step diagram illustrating a scalable pipeline. The steps are 'Interview', 'Extract Insights', 'Persona Narrative', and 'Agent'. The 'Agent' step is accompanied by an illustration of a person, possibly a groomer or stylist, holding scissors and a comb, wearing an apron with a paw print.

Scalable pipeline with traceable insights

Interview

Transcribe and anonymise

Extract Insights

Tag and categorise key insights with verbatims

Persona Narrative

End-to-end narrative of the persona across key scenarios

Agent

A flow diagram illustrates a four-step pipeline: "Interview", "Extract Insights", "Persona Narrative", and "Agent". Below the "Agent" step is an illustration of a person holding a comb and scissors, wearing an apron with a paw print.

Scalable pipeline with traceable insights

Interview: Transcribe and anonymise

Extract Insights: Tag and categorise key insights with verbatims

Persona Narrative: End-to-end narrative of the persona across key scenarios

Agent

A diagram shows a pipeline with four steps: Interview, Extract Insights, Persona Narrative, and Agent. Below the "Agent" step is an illustration of a person wearing a blue apron, holding scissors and a comb.

Scalable pipeline with traceable insights

Interview

Transcribe and anonymise

Extract Insights

Tag and categorise key insights with verbatims

Persona Narrative

End-to-end narrative of the persona across key scenarios

Agent

A diagram illustrating a four-step pipeline with arrows connecting "Interview", "Extract Insights", "Persona Narrative", and "Agent". Next to the "Agent" step is an illustration of a person holding scissors.

Scalable pipeline with traceable insights

  1. Interview: Transcribe and anonymise
  2. Extract Insights: Tag and categorise key insights with verbatims
  3. Persona Narrative: End-to-end narrative of the persona across key scenarios
  4. Agent

A diagram illustrating a four-step pipeline. The steps are Interview, Extract Insights, Persona Narrative, and Agent. Below the 'Agent' step is an illustration of a person with a bob haircut, wearing an apron with a paw print, holding a pair of scissors.

Scale brings bigger rewards.

Scale brings bigger rewards.

Scale brings bigger rewards.

Scale brings bigger rewards and new challenges.

Scale brings bigger rewards and new challenges.

Scale brings bigger rewards and new challenges.

Scale brings bigger rewards and new challenges.

A small blue clover-like logo is in the bottom right corner of the slide.

Tips for scalable persona agents

  1. Use the tools you already have

Tips for scalable persona agents

  1. Use the tools you already have

Tips for scalable persona agents

  1. Use the tools you already have

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback
  4. Don't stop talking to customers

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback
  4. Don't stop talking to customers

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback
  4. Don't stop talking to customers

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback
  4. Don't stop talking to customers

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback
  4. Don't stop talking to customers

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback
  4. Don't stop talking to customers

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback
  4. Don't stop talking to customers

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback
  4. Don't stop talking to customers

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback
  4. Don't stop talking to customers

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback
  4. Don't stop talking to customers

Tips for scalable persona agents

  1. Use the tools you already have
  2. Simple and well-structured knowledge source
  3. Clear, explicit instructions with fallback
  4. Don't stop talking to customers

Good AI gets you closer to your customers.

A small blue stylized leaf or flower icon is in the bottom right corner of the slide.

Good AI gets you closer to your customers.

A small blue icon resembling a stylized person or plant is in the bottom right corner.

Good AI gets you closer to your customers.

A small, stylized blue icon resembling a plant or flower is in the bottom right corner.

Good AI gets you closer to your customers.

Good AI gets you closer to your customers.

Good AI gets you closer to your customers.

Good AI gets you closer to your customers.

Good AI gets you closer to your customers.

A small blue icon of a stylized human figure appears in the bottom right corner of the slide.

Good AI gets you closer to your customers.

A view of a ceiling featuring an air conditioning vent, a small circular sensor (possibly a smoke detector), and several illuminated recessed light fixtures.
An image of a ceiling with several recessed circular lights.

People

  • Alan Cooper

Technologies & Tools

  • Copilot

Concepts & Methods

  • Agentic Era
  • Fallback Rule
  • Grounding
  • Human-Centered Design
  • NPS Verbatims
  • Persona
  • Priya

Organisations & Products

  • ANZ
  • Confluence
  • PayID
  • SharePoint
  • Square
  • Xero

Works

  • The Inmates Are Running the Asylum