Youssef Abdel Zaher

Good in Banking Instrument Design.

About Youssef Abdel Zaher

Youssef Abdel Zaher is an Egyptian banker who had graduated in 2005 from faculty of commerce , English section at Ainshams university at Egypt , he began his banking career in August , 2006 as credit Analyst trainee at Bnp Paribas Bank at Egypt , after that he worked as customer service officer then as Local letter of guarantee officer at the same bank , he resigned from bank at October , 2007 , then he began working in December , 2008 as customer service officer at Qatar Islamic bank till he resigned from bank at may , 2013 He began working at Qnb Al Ahly bank at Egypt from december , 2014 till now and he is currently working as Trade finance relationship Executive at a corporate branch

  • Winner of Banking Instrument Design Award.
  • Specialized in Banking Instrument Design.
  • Original Design.
  • Creative, Diligent and Innovative.
  • All Designs
  • Banking Instrument
Education Currency Credit Hours

Education Currency Credit Hours

Banking Instrument Design


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Interview with Youssef Abdel Zaher

Could you please tell us more about your art and design background? What made you become an artist/designer? Have you always wanted to be a designer?
I went through different phases until I discover in myself the passion and ability to design new banking products and services , it began when i was working as a customer service officer in one of banks in Qatar , I used to get feedback from bank customers about new banking products or services they need , so I was trying to make brain storming and try to figure out new product and services ideas , when i came up with new idea , i was writing it right way on a paper and began thinking about its features based upon my customer service experience and what they will want from this product , to give them more financial benefits , or provide savings for them or make their transactions more easier or saving their time , after that it becomes a hobby and a passion for me to the extent that it takes most of my thinking time , then i began thinking about turning this hobby to professional work , so i presented my first banking product or design idea to the bank to be turned to a bank project but it was not executed as i missed the projects pipeline deadline , then i made different trials with different institutions but in vein , then i discovered by coincidence the A design competition , so I decided to win in this design competion , after one year working on my project which is the " co brand bank card credit hours rights loyalty program " or shortly " education currency " project , i present it to the competition and then , thanks to God , i won the award at banking and financial instrument category , after winning , I decided to design revolutionary innovative banking products and services to be sold and used around the world and this became my dream , so I worked on designing many banking product and services ideas and I am trying to turn it to real projects through finding an institution that have interest to turn these product or services ideas to real project
What is "design" for you?
For me , Any design begins with identifying customer needs , so the product or service will be "designed" by formulating its features and process based upon their expected use of it to cover their needs .
What kinds of works do you like designing most?
I like designing innovative banking products or services , that is useful to people in their lives and that was not made before at any place in the world .
What is your most favorite design, could you please tell more about it?
As my winning project is my first design experience , so it will be my favourite one as it will remind me with my success , my winning design is named " co brand bank card credit hours rights loyalty program " or shortly " education currency" , it is co brand bank card loyalty program sponsored between partner issuing bank and partner education institution that rewards cardholders for their card transactions either at that partner education institution or other non partner commercial institutions , this reward will be in the form of education loyalty currencies ," learning hours rights" or LHRs and " credit hours rights"or CRHRs , the smaller loyalty currency LHRs will be accumulated to the bigger one CRHR which will be accumulated to the required ones to be redeemed for an education product taken at partner education institution premise , In return for the rewards given by that education institution , the partner issuing bank will make an agreement with that partner education institution to share interchange fees " profit " of every bank card transaction at a specified percentage . Example Bank X issue a co branded bank card with loyalty program named "credit hours rights loyalty program " sponsored between bank X and education institution Y , the reward structure according to the loyalty program : Earning rates : for Partner education institution card transactions , earning rate 7 dollars =1 LHR For non partner institution card transactions , earning rate 10 dollars = 1 LHR Accumulion and redemption rate 30 LHRs = 1 CRHR 60 CRHRs = 1 education year right 4 year Business studies course right at Education institution Y ( Required CRHRs ) = 4 education years course right = 4× 60 CRHRs=240 CRHRs This project is filed for international patent application no. PCT/ IB2015/052766 Dated 16/04/2015 This project is published under name " credit hours rights loyalty program system and method of bank card with profit share scheme no.WO/2016/166573 dated 20/10/2016 at WIPO or World intellectual propert right website
When do you feel the most creative?
I feel most creative while driving my car as many scenes coming across my eyes so one of these scenes could give me inspiration for new product or service idea
Which aspects of a design do you focus more during designing?
I focus on aspects that makes the product or design more easy to use , useful to customers and innovative while designing it .
What makes a design successful?
successfull product must be useful to customers , easy to use and innovative
From your point of view, what are the responsibilities of a designer for society and environment?
The designer must design products that is useful to society and environment -friendly
How do you think the "design field" is evolving? What is the future of design?
I think any product or service design in every field will depend heavily on technology in the future to the extent that human intervention will be decreased to the minimal level as we hear nowadays about technologies that will prevail our lives in the future like Artificial intelligence , virtual reality VR , Augmented Reality AR and 3D printing .
Where does the design inspiration for your works come from? How do you feed your creativity? What are your sources of inspirations?
The inspiration for my work come as a result of 3 things : my previous banking experience , follow up of innovative products around the world not just in banking sector but in other sectors and follow up of latest technology used in different fields
How would you describe your design style? What made you explore more this style and what are the main characteristics of your style? What's your approach to design?
I use a mix of 2 design approaches as follows : customer needs -centered approach" which is designing new banking products or services that cover customer needs a new financial products design approach I developed myself which is named “ financial intersection point" design approach “ which is designing new banking products or services by making mix between two sectors through finding financial aspects intersection point between the two sectors , that is to mean the possible common financial aspects used in both sectors example I designed my winning project “ co brand bank card credit hours rights loyalty program” or “ education currency “ shortly by using a mix of : " customer needs – centered" design approach through designing the loyalty program based upon the customers needs to save to cover future education expenses through redeeming accumulated credit hours rights ( earned by doing bank card transactions ) for education course taken at partner education institution . " financial intersection point" design approach through finding the financial intersection point or possible common financial aspects between the banking and education sector which are “ the learning and credit hours units used in Education sector “ which will be turned to the “ learning and credit hours rights “ That will used in the co brand bank card loyalty program sponsored between partner issuing bank and education institution .
Could you please share some pearls of wisdom for young designers? What are your suggestions to young, up and coming designers?
Be very ambitious and make your dream big because you will reach it at the End , even if you achieved part of it , you still achieved big one .
What is your "golden rule" in design?
a good and successful design must be useful to people , easy to use and innovative .
What skills are most important for a designer?
As for financial products or services designer , he must have analytical and creativity skills
Which tools do you use during design? What is inside your toolbox? Such as software, application, hardware, books, sources of inspiration etc.?
. As my winning project is still in the concept stage , so no applied technologies are used until now to turn concept to final product form , but As for presenting my product or design in its concept stage , I used my laptop beside couple of software for writing and documentation like Word , PDF and Photoshop for the design drawings beside using google and youtube for researching and collecting required information and data
Designing can sometimes be a really time consuming task, how do you manage your time?
As I designed my winning project during searching for a job so I have free of time and I did not experience time limits problems to the extent I try to manage it .
What type of design work do you enjoy the most and why?
I enjoy mostly the ideation or concept stage in the design work as it is the most challenging and entertaining stage in the design work .
What are your future plans? What is next for you?
I have a number of banking and non banking new product and service ideas that I want to turn it to real projects , so I am searching for an institution that have interest in these ones like : Banking projects : Touristic Bank branch Vehicle Banking Smart Banking umbrella banking Football Banking hidden words Loyalty program co brand bank card Electricity rationalization program Recycle bin ATM Financial Camera service Resident Building financial services International fixed Deposit system Bank Mobile E-check card Time Card Fraction bank Account Stock Exchange projects Resident-Investor home equity plan silver-gold-platinum stocks program social network projects : Online Rosca Life Experiences social Network Investment social network Readers social network Talents Social network Touristic projects : Touristic bank branch Interactive Tourism Touristic Railway Touristic cafe Other projects : World Language Car Mall Business Mall Delivery box system
Do you work as a team, or do you develop your designs yourself?
As for my winning project I design it myself but I get the assistance of two people , Mr.Shady Bahaa ( freelancer ) who made the product Advertising brochure and Mr.Amir Saqr who represents the Advertising agency which made the product Advertising video clip for me
How can people contact you?
Any one are welcomed to contact me by : Call me : 002-01018010193 Email me : youazaher@gmail.com

Extended Interview with Youssef Abdel Zaher

Could you please tell us a bit about your design background and education?
As I am designing banking products and services , My studies which was in the business field helped me somewhat in the designing process but this began when I was working as a customer service officer in a bank , I used to get feedback from bank customers about new banking products or services they need , so I was trying to make brain storming and try to figure out new product and services ideas , when I came up with new idea , i was writing it right way on a paper and began thinking about its features based upon my customer service experience and what they will want from this product , to give them more financial benefits , or provide savings for them or make their transactions more easier or saving their time , after that it becomes a hobby and a passion for me to the extent that it takes most of my thinking time , then i began thinking about turning this hobby to professional work , so i presented my first banking product or design idea to the bank to be turned to a bank project but it was not executed as I missed the projects pipeline deadline , then i made different trials with different institutions but in vein , then I discovered by coincidence the A design competition , so I decided to win in this design competition, after one year working on my project which is the " co brand bank card credit hours rights loyalty program " or shortly " education currency " project , I presented it to the competition and then , thanks God , I won the award at banking and financial instrument category , after winning , I decided to design revolutionary innovative financial products and services to be sold and used around the world and this became my dream , so I worked on designing many banking product and services ideas and I am trying to turn it to real projects through finding an institution that have interest to turn these product or services ideas to real project
What motivates you to design in general, why did you become a designer?
It began as a hobby as I discovered in myself the passion and ability to design new banking products and services , then it turned to a lifetime dream to become a designer and design revolutionary innovative financial products and services to be used and sold around the world .
Did you choose to become a designer, or you were forced to become one?
I decided absolutely to become a designer as I discovered in myself the passion and ability to design new banking products and services .
What do you design, what type of designs do you wish to design more of?
As I have more than 7 years different experiences in retail and corporate banking , I design banking products and services , what I want to design more are innovative banking products or services that are not made before in any place in the world , that represents a breakthrough and create new markets .
What distinguishes between a good designer and a great designer?
What distinguishes great designer from good designer is how big and great the effect of his design upon people lives for example Thomas Edison and Steve jobs are great designers as their designs or inventions have great effect upon people lives .
What makes a good design a really good design, how do you evaluate good design?
Good designs are ones that are useful to people , easy to use and innovative
What is the value of good design? Why should everyone invest in good design?
Normally everyone will invest in good designs if it is profitable but what will be more important than that is the effect upon people lives , that is to say it positively and radically changes people lives for example Thomas Edison invention of electricity lamp that positively and radically changes people lives .
What would you design and who would you design for if you had the time?
if I had the time , I want to design a product that remove any barriers of any kind either cultural , religious..etc among people of all nations around the world , a product that spread peace between nations and teach people to know each other culture .
What is the dream project you haven’t yet had time to realize?
I wish to find a financial institution that support achieving my dream project which is the " Touristic bank branch "
What is your secret recipe of success in design, what is your secret ingredient?
My secret recipe of success in design is " fall in love with your design " , I mean think at your design and how you will make it the best one all the time like thinking all the time at your beloved one , if you do that , I am dead sure you will succeed in your design .
Who are some other design masters and legends you get inspired from?
I always dream to make innovative products that change the world like Steve jobs and his statements or quotes inspire me .
How could people improve themselves to be better designers, what did you do?
I follow up any innovative products in my field and in other fields , I practice regularly to design new products or services by using innovation techniques , I plan to make studies that will help me in the designing process .
If you hadn’t become a designer, what would you have done?
At university phase , I wished to work at one of the biggest investment companies as i made studies at one of most renowned investment professional certificates
How do you define design, what is design for you?
For me , Any design begins with identifying customer needs , so the product or service will be "designed" by formulating its features and process that cover expected uses of it based upon customers needs .
Who helped you to reach these heights, who was your biggest supporter?
My family was always the biggest supporter to me especially my father and my mother who continuously motivate me to be the best in my field .
What were the obstacles you faced before becoming a design master?
I presented my first banking product design to the bank to be turned to a banking project but it was not executed as i missed the projects pipeline deadline , then i made different trials with different institutions but in vein , then I discovered by coincidence the A design competition , so I decided to win in this competition after one year working on my project which is the " education currency " project , I presented it to the competition and then , thank God , I won the award at banking and financial instrument category
How do you think designers should present their work?
Designers should present their works in easy , understood and eye catching form
What’s your next design project, what should we expect from you in future?
I have number of banking and non banking project ideas that I want to turn it to real projects , so I seek an institution that have interest in these ones like : Banking projects : Touristic Bank branch Vehicle Banking Smart Banking umbrella banking Football Banking hidden words Loyalty program co brand bank card Electricity rationalization program Recycle bin ATM Financial Camera service Resident Building financial services International fixed Deposit system Bank Mobile E-check card Time Card Fraction bank Account Stock Exchange projects Resident-Investor home equity plan silver-gold-platinum stocks program social network projects : Online Rosca Life Experiences social Network Investment social network Readers social network Talents Social network Touristic projects : Touristic bank branch Interactive Tourism Touristic Railway Touristic cafe Other projects : World Language Car Mall Business Mall Delivery box system
What’s your ultimate goal as a designer?
My ultimate goal is to design revolutionary innovative banking products or services , that is useful to people in their lives and was not made before at any place in the world
How does design help create a better society?
As Design helps in making people lives more easier so that it helps creating better society .
Which design projects gave you the most satisfaction, why?
My designs projects credit is just one winning project until now but I think no design will give me the most satisfaction as this means the ceiling of my dream and consequently I will stop dreaming to make better projects than this one to have more satisfaction .
What would you like to see changed in design industry in the coming years?
I will talk about the banking industry , I wish that banking product and service designers make use of the latest technology like virtual reality ( VR) , Augmented reality ( AR) and Artificial intelligence , when designing their products and services .
Where do you think the design field is headed next?
According to high level officials statements in giant technology companies like facebook and Apple about the expected scale of latest technology use in our lives in the future like VR and AR technology , the design field will be headed toward heavily use of these latest technologies .
What is your life motto as a designer?
My life moto as a designer " Dream big because you will achieve it at End , if you achieve part of it , you still achieve a big one "
What do you wish people to ask about your design?
The question I wish people ask to me is " how your design will makes our lives better " .
When you see a new great design or product what comes into your mind?
As a user of this design , I will ask my self " how this design will makes my life better and easier " and as a designer I will wish to make greater than that design or product .
Who is your ideal design partner? Do you believe in co-design?
until now i did not experience that , but I will say yes I believe in co design when my partner complements me and I think that one is the ideal partner , that is to say he has the skills i do not have to make that design more successful than if i work on it alone .
Which people you interacted had the most influence on your design?
My bank customers have had the most influence on my winning project " education currency " as they provide me indirectly through interactions and through their feedback about their need to save to cover their kids future education expenses on which i based my project idea .
How did you develop your skills as a master designer?
by practicing , by trial and error , by getting feedback from family members , friends and professionals about your design , by getting more education that helps me in the designing process , by following up continuously innovative products around the world in my field and other fields and latest technologies used in different fields .
Irrelative of time and space, who you would want to meet, talk and discuss with?
I would want to talk and discuss with great designers and design influencers to learn from them
What is your favorite color, place, food, season, thing and brand?
My favorite color is blue , my favorite place is Aswan city in Egypt , my favorite food is Kebab , my favorite season is winter , My favorite thing is watching movie in the cinema .
What makes your day great as a designer, how do you motivate yourself?
watching a movie that is based on new idea at the cinema or listening to new , different and energetic songs motivates me and gives me positive energy to design
What do you think about future; what do you see will happen in thousand years from now?
I have a concern about 2 issues which I think will affect our lives in the future negatively : climate changes and "extreme use" of technology in our lives
Please tell us anything you wish your fans to know about you, your design and anything else?
I wish all people interested and are fans of the design field to achieve their dreams and wish them best luck , thanks

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