Joint and Non-Joint loan application study

Joint loans (issued to 2 co-borrowers, instead of an individual) provide borrowers with a lower APR and are more profitable to the business.

The goal of this research was to understand why people do and don’t apply jointly, and identify ways to redesign the experience to encourage the RIGHT people to apply jointly.

  • Mixed methods: Quant – Qual – Quant.
    • Initial Quant: Simple survey with ~80 responses from joint borrowers and 80 from individuals
    • … From which interview participants were recruited and interviewed, 8 with joint borrowers, and 8 with non-joint (individual) borrowers
    • Leading to final survey with n=1163 participants

Impact: $10M increase in profitability

Homepage variants usability test

Redesigning LendingClub’s homepage involved 2 major phases of research: the first, evaluating the current homepage, its strengths, weaknesses, and how it stood up to those of competitors.

The second phase involved conducting a similar evaluation, using the results of phase 1 as a benchmark, of 2 new variants. The results were promising, and we innovated in the process, by using eye tracking and developing a model to develop usability metrics against business goals for evaluating a soft launch.

I served as lead Design Researcher.

Loan application observational study

In this project for LendingClub, I conducted a ride-along style observational study with 14 participants and observed and analyzed how they interacted with the application process.

Through the development of personas and leading brainstorming sessions, this work lead to the focused redesign of a number of areas of the application funnel, leading to approximately $80M in increased revenue.

Future of Workforce Development (City of SF & Department of Labor)

I authored this research and report for the City of San Francisco and the Department of Labor exploring how cities and local government can take an active role supporting the development of a vibrant and equitable labor market, focusing on policies, regulations, and impacts addressing automation and the platform economy. Research approaches include ethnographic interviews, expert interviews, expert workshops, signaling, scenario development, and more.

Check out the report HERE.

Voices of Workable Futures Report: (Platform Economy Ethnographies)

Developed for the Knight Foundation, I co-authored this report exploring the kinds of workers engaged in the platform economy across the country. After developing an interview guide, I conducted more than a dozen ethnographic interviews across San Francisco, Chicago, New York, small town America, and remotely, in order to understand how they interact with this new labor market, their approach toward career development, their fears and concerns, and how they craft their identities. The insights from this research have led into policy discussions with the Department of Labor and beyond.

You can read the whole report HERE.

The Future of Youth Employment Report (Rockefeller Foundation)

As co-author of this report, I researched how emerging technologies, business practices, and the education landscape might impact the realities of how young people get, find, and keep work (and what that work is) over the coming decade. We developed 4 scenarios reflective of the 4 most probable courses for the future, and developed policy strategies and solutions for ameliorating hardships for young people and our economy in general.

Learn more and read the report HERE.

Research Blog on Strategy and New Business Models

In addition to ongoing research projects, Alexander explored emerging business models, business strategy approaches, and labor market forecasts in blog posts. Below are notable posts.


Designing new mortgages & student loans to engender economic equitability

Aug 04, 2017

The Future of Automation report & map

For this public report, I worked with our forecasting and research teams to distill the most compelling and important ideas from a series of expert workshops into a map and report on the new affordances and capacities for automation, and how they are likely to impact everyday life in the coming decade.

You can read the full report HERE.