Dr Philip Bonhard is the Head of Customer Experience for Payments, Fraud and Financial Crime at LBG.  In a nutshell he makes sure security / fraud projects consider human needs before jumping to solutions and then helps getting the right designers on-board, like UX, Service, Visual, Conversation, Business Designers etc. Before that he looked after the customer experience of LBG’s mortgages business.  Prior to joining Lloyds, he worked in academia, big consulting firms and ran his own design agency.  He holds a PhD in Human Computer Interaction from University College London.     Most importantly he’s passionate about designing products / services that make people’s lives better.  Other than that he likes to build stuff for his two daughters and tinker with his raspberry pie / arduino boards with the occasional Lego thrown in. He strongly believes that building stuff is more important than describing it.