In these years, and the years to come, disruption in the private consumer banking world is significantly going to change how we do our 'banking business’. Financial innovators, the media, and banking people are touting the new digital world of the 21st century as the end physical and start of digital - it’s the music industry, take two.

In society today, the traditional business models and banking practices are already under attack from digital services and new banking and loan provides: Supermarkets are entering the consumer banking business, offering both milk and attractive interest rates on credit. Meanwhile, car dealers are financing customers on their own and payday loans are surging in popularity: Making bad decisions has never been more easy and convenient with a purely digital loan process.

Coincidentally, therein lies a problem area which will be probed, investigated and studied as part of this master’s thesis. Through the report, we investigate the young Danish digital native’s relationship with the banking world and their way of handling their personal finances. With this insight in mind, we propose a set of new ways for the millennial generation to handle the process, of seeking and going through with a loan, when buying a new home for the first time in their lives.

To propose and design new ways of handling the financial complexity of buying a new home, and innovate in the spaces of the financial world, we employ the approach, methods and theories derived from the 'design thinking' field of literature. Design thinking is more than just a hot topic of 2015, we believe that the processes from the design world has something to offer a world in need of innovation. This, meanwhile, is the second research objective of this master’s thesis; an inquiry into the world of design processes within the coined term 'design thinking’, to determine if this is a suitable way of innovating in the financial world.

To argue for and against design thinking’s contribution to innovation, we use research through design as our main scientific approach. Choosing this approach secures that the conclusions that we bring forward in our last chapter are grounded in scientific ways of inquiry and our results are valid contributions in the particular scientific field wherein we are working.

In the master’s project, followed by this written report as documentation, we have talked with a dozen of millennia’s about their relationship with the banks, and their financial advisors. Due to our broad scope of inquiry, we got huge amounts of data with numerous exciting areas ripe for innovation and new thinking. Amongst these finding’s we focused on making the banking experience better; providing more comprehensible, easier and relevant information, together with securing more transparency in the financial advice coming from the big banks.

In conclusion we make the argument that further literature is needed, when working in the realm of innovation with the outset in design thinking theory. This, specifically in regards to the holistic view that design thinking takes according to Tim Brown’s 3D model, that we present as the meta perspective of the masters project. Working from this perspective, the designer is to be aware of three main perspectives when trying to innovate: Human, Business and Technology. We argue that finding a balance between these three perspectives can be difficult, coupled with problematic ways these perspectives undoubtedly influence each other and overlap as part of the design process.