Money Market — Queue Efficiency Case Study
OVERVIEW
UCT DESIGN THINKING WEEK — 2024
ndinga-dyongo-&-his-team-at-university-of-cape-town-november-2024-design-thinking-challenge

MUIZENBERG
PROMENADE
ENHANCEMENT

I, Ndinga Dyongo, participated in the UCT Design Thinking Week Challenge, tackling the Muizenberg Promenade Enhancement brief. Working within a multidisciplinary team under tight time constraints, we applied the full design thinking process — from empathic observation to rapid prototyping — to address real physical access barriers and social equity challenges.

Our solutions addressed physical access barriers and also contributed to making Muizenberg a more inclusive, welcoming destination for all visitors — aligning with principles of universal design and social equity.

The skills, processes, and disciplined frameworks applied in that challenge — particularly translating lived-experience insights into human-centered outcomes under pressure — are the same foundation driving this ShopRite case study.

🎯

Developed ability to translate lived-experience insights into tangible, human-centered design outcomes under tight time constraints

🤝

Sharpened multidisciplinary team collaboration — aligning diverse perspectives toward coherent service solutions

Grounded in universal design principles — ensuring solutions serve the most vulnerable first

Demonstrated constraint-driven creativity — producing viable, real-world proposals within strict workshop parameters

🔬

Applied structured design frameworks (Triple Diamond, 8Ms) in both challenges to ensure rigour and measurability


01 / 07 — OVERVIEW

Overview

The challenge at ShopRite Money Market

ShopRite Money Market kiosks are essential community infrastructure across South Africa — serving customers who buy bus tickets, play the lottery, pay life insurance premiums, and send money across the continent. But a broken queue system is quietly destroying the customer experience every single day.

While many services exist online, a significant portion of customers cannot access or rely on digital platforms — making the physical kiosk their only option.

Core problem Customers — particularly senior citizens — wait up to 60 minutes in a blind queue, only to discover the specific service they need is offline when they finally reach the counter. They leave empty-handed and must return another day.
Daily queue — current state Daily queue — current state
Customer turned away at counter Customer turned away at counter
Money Market Queue Management Senior Citizens Service Outages South Africa 2025
ShopRite Money Market kiosk ShopRite Money Market kiosk services
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02 / 07 — THE KIOSK

The Kiosk

Services offered & why customers still come in-store

The Money Market kiosk is not merely a convenience feature — it is the primary financial access point for a significant segment of South African society who cannot or choose not to use digital banking platforms.

Three reasons driving strong physical foot traffic (1) Accessibility for senior citizens, non-techy, non-smartphone users and internet restricted individuals who need face-to-face assistance. (2) Completely fee-free cash transactions with no deductions or hidden costs. (3) Exclusive in-store promotions not available through digital channels.
 Bus & travel tickets Bus & travel tickets
play lotto at shorite money makert kiosk Lottery / lotto
money-market-bank Life insurance payments
money-market-send-money Cross-border money transfers
money-market-ott-voucher Electricity, Vouchers & utilities
money-market-all-services Other financial services

While ShopRite offers mobile apps and online platforms for many services, a significant portion of customers — especially senior citizens and non-tech-savvy individuals — still depend entirely on the in-store kiosk for every transaction.

money-market-services2 In-store kiosk — service counter overview
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03 / 07 — THE PROBLEM

The Problem

Blind queue breakdown

The current system fails customers at the most critical moment — after they have already waited. The blind queue model means no one knows whether a service is available until a customer physically reaches the teller window.

60min
Average wait time
0
Pre-queue service checks
1+
Wasted visits per outage
High
Senior citizen impact
Long standing queue — blind, uninformed Long standing queue — blind, uninformed
Customer turned away at counter Customer turned away — service offline


Teller awareness gap Tellers themselves are often unaware that a service is offline until a customer reaches them and requests it — making every outage invisible until it causes direct harm to a customer who has already waited an hour.
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04 / 07 — THE SOLUTION

The Solution

A proven system, adopted

Reserved Designs Studio proposed solution requires no new technology or invention — only the adoption of a customer-flow process already proven by major South African banks. A trained greeter and a compact point-of-service machine at the entrance transform the entire experience before a single customer joins a queue.

DESIGN PROCESS

THE TRIPLE DIAMOND
APPROACH

Industry-standard design thinking framework — three phases, three diamonds, one coherent solution

The Triple Diamond is an evolution of the Double Diamond (British Design Council), extending the diverge-converge rhythm into three sequential phases: Research → Experiment → Deliver. Each diamond opens with exploration (divergence) and closes with a decision (convergence). This structured yet flexible process was applied rigorously to the ShopRite queue problem — ensuring the solution emerged from evidence, not assumption.

DISCOVERY
EXPLORING RESEARCH NARROWING
WHY
DESIGN
IDEATING EXPERIMENT VALIDATING
WHAT
DEVELOPMENT
COMPLETING DELIVER ANALYSING
HOW
01
RESEARCH
DISCOVERY DIAMOND — WHY
The first diamond opened wide with observational research at ShopRite Money Market kiosks — watching, listening, and documenting the real lived experience of customers and staff before any solution was conceived.
OBSERVEField observation at kiosks — queue behaviour, wait times, customer demographics
INTERVIEWConversations with senior customers, tellers, and store managers
SYNTHESISEBlind queue identified as root cause — not individual service failures
INSIGHT"Customers have no information until they've already lost an hour"
DECIDEProblem statement: eliminate information asymmetry before the queue
02
EXPERIMENT
DESIGN DIAMOND — WHAT
The second diamond explored a broad range of possible interventions — from app-based alerts to WhatsApp bots to physical signage — before converging on the simplest, most proven, and most inclusive approach.
IDEATE15+ solution concepts generated — digital, physical, hybrid
BENCHMARKSouth African bank branches already operate this exact model successfully
FILTERExcluded: digital-only solutions (excludes elderly/non-tech users)
PROTOTYPEService blueprint mapped — greeter + display + ticket + lounge
VALIDATEConcept tested against user needs: confirmed service before queue entry
DECIDEFour-component system adopted — proven, low-cost, inclusive
03
DELIVER
DEVELOPMENT DIAMOND — HOW
The third diamond translated the validated concept into a complete, rollout-ready implementation plan — specifying components, training requirements, spatial layout, pilot parameters, and success metrics.
SPECIFYService availability display, Friendly Buddy, ticketing kiosk, Eco-Lounge seating
PLAN1-month pilot, 3 locations, phased national rollout
COSTLow capex — leverages existing infrastructure and proven equipment
TRAINFast staff training — greeter role modelled on bank branch protocols
MEASUREKPIs defined: wasted visits, wait-to-serve ratio, CSAT scores
ANALYSE8Ms framework applied to assess and optimise performance
1
Service availability display Customers instantly view which services are online, offline, or delayed through a visible monitor — eliminating blind decision-making before entering the queue.
Customer turned away at counter Available & unavailable services clearly displayed
2
"Friendly Buddy" assistance A dedicated assistant equipped with an iPad supports non-tech users, non-smartphone users, and internet-restricted customers — resolving issues before they reach the counter.
money-market-kiosk-buddy-assisting-elderly-customers Assisting customers without even reaching the counter
3
Queue ticket confirmation A ticketing system assigns a number only for confirmed available services — ensuring every customer in the queue has a valid outcome.
Moviik-Paper-TIcket-Kiosk Numbered ticket — confirmed service
4
Eco-Lounge seating Lightweight cardboard lounge sofas provide seating for waiting customers, reducing fatigue — especially for senior citizens and physically vulnerable users.

REFERENCES:

eco-friendly-money-market-lounge-by-reserved-designs Redesigned waiting area — seated, informed, dignified

 Eco Lounge seating — lightweight, sustainable, comfortable Eco Lounge seating — lightweight, sustainable, comfortable

Sofa Concept Sofa Concept
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05 / 07 — KEY BENEFITS

Key Benefits

Impact for every stakeholder

This approach transforms the blind-queue experience into a professional, respectful, and efficient service model — delivering meaningful improvements for customers, tellers, and the ShopRite brand simultaneously.

100%
Service confirmed before queuing
↓60%
Estimated wasted customer visits
Zero
Counter rejections after waiting
Low
Implementation cost
Motivation & confidence effect Customers wait with purpose — they hold a number and have confirmed their service is available. This single change dramatically reduces frustration and increases trust in the ShopRite brand at every visit.
05 / 08 — 8MS PERFORMANCE FRAMEWORK

8Ms ANALYSIS

How the framework was applied to assess performance, efficiency, and waste reduction

The 8Ms Framework — drawn from Ishikawa / Cause-and-Effect analysis methodology, widely used in lean operations and service design — was applied to evaluate the ShopRite Money Market queue solution across every operational dimension. Each "M" was assessed in its current (broken) state and its proposed (redesigned) state to measure the delta in performance, efficiency, and waste.

FRAMEWORK APPLICATION METHOD

For each M, three questions were applied: (1) What is currently failing or wasted? (2) What does the solution activate or change? (3) What is the measurable or observable outcome? This structured assessment ensures every solution component is justified beyond aesthetics — grounded in operational logic.

THE 8M CURRENT STATE — WASTE / FAILURE SOLUTION ACTIVATION OUTCOME ACTIVATION
MANPOWER Skills, training & human resources Tellers spend time managing frustrated customers who waited to discover offline services. No dedicated greeter role exists. Staff lack protocols for proactive outage communication. Customer-facing skills are underutilised at the point of highest impact. Friendly Buddy greeter role created. Trained in service availability communication, digital assistance, and customer de-escalation. Tellers freed from queue management — focused purely on transactions. Fast-track training protocol modelled on bank branch greeter programmes.
Teller throughput ↑
Customer-facing skills deployed at entry
Frustration-management burden ↓
FULLY ACTIVATED
HIGH IMPACT
MACHINERY Equipment, technology & tools No service-status display exists. No ticketing system at entry. No digital tool at point of entry. Customers and tellers operate with zero real-time service information. The kiosk's own infrastructure is not used to communicate its own operational state. Service availability monitor deployed at entrance. Ticketing kiosk (Moviik-type) introduced — issues confirmed-service tickets only. Greeter equipped with iPad for digital resolution. All three are low-cost, commercially available, and already deployed in banking environments nationally.
Real-time service visibility: ON
Ticket = service guarantee
iPad resolves pre-counter queries
FULLY ACTIVATED
HIGH IMPACT
MATERIALS Raw resources, inventory & supply chain No seating materials exist in the queue area. Customers — particularly the elderly — stand for up to 60 minutes on hard retail floors. No tactile or physical signal differentiates a queue for one service from another. Physical environment reinforces the blind, undifferentiated queue. Eco-Lounge cardboard-frame sofas introduced. Sourced from repurposed industrial cardboard — abundant, low-cost, local. Sofa units are lightweight, modular, and replaceable. Minimal supply chain complexity — no specialist manufacturing required. Ticket paper stock for the ticketing kiosk is the only ongoing consumable.
Seating available: dignified wait
Material cost: low (cardboard)
Replenishment: simple
FULLY ACTIVATED
MEDIUM-HIGH IMPACT
METHODS SOPs, processes & workflows No Standard Operating Procedure exists for outage communication. Tellers have no established protocol for informing customers of service unavailability before they reach the counter. Queue management is entirely reactive — action only occurs when a customer is already disappointed. New service SOP introduced: (1) Monitor updated when any service changes state. (2) Greeter briefs customers at entry. (3) Tickets issued only for confirmed services. (4) Tellers follow escalation protocol for extended outages. Process modelled on Standard Bank and FNB branch queue management SOPs — adaptation, not invention.
Proactive > reactive service
Queue entry = informed decision
Outage handling: structured
FULLY ACTIVATED
HIGH IMPACT
MEASUREMENT KPIs, tracking & evaluation metrics No KPIs exist for queue efficiency, wasted visits, or service availability uptime. ShopRite has no visibility into how many customers are turned away per day per outage. The problem is invisible in operations data — making it impossible to manage or report. KPI suite introduced: (1) Wasted visits per outage event. (2) Wait-to-service conversion rate. (3) Customer Satisfaction Score (CSAT) at exit. (4) Average queue-to-counter time. (5) Service uptime % per kiosk. Ticketing system provides automatic count data. 1-month pilot at 3 locations generates baseline for national rollout decisions.
Wasted visits: measurable
CSAT: trackable
Rollout: data-driven
ACTIVATED (PILOT)
MEDIUM IMPACT
MOTHER NATURE Environmental impact & sustainability No sustainability consideration in current queue setup. Hard retail flooring with no seating creates physical discomfort that amounts to a hostile environment for elderly and disabled users. No materials reuse or eco-conscious design present in the service zone. Eco-Lounge uses repurposed cardboard construction — a circular economy application that diverts waste material from landfill into functional furniture. Lightweight units reduce transport emissions. The waiting environment is transformed from hostile (standing, uninformed) to comfortable and dignified. Universal Design principles applied — supporting physical accessibility and inclusion.
Cardboard → functional furniture
Waste diverted from landfill
Inclusive environment created
FULLY ACTIVATED
HIGH IMPACT
MANAGEMENT Leadership, strategy & supervision No management ownership of queue efficiency as a customer experience metric. Outage communication has no escalation chain. Store managers have no real-time dashboard of service states. Queue problems are reported anecdotally, if at all — making structural change difficult to justify or budget. Management visibility introduced: Service state monitor creates a shared source of truth for store manager, tellers, and greeter simultaneously. KPI dashboard enables district managers to track pilot outcomes. Greeter reports to store manager daily on queue observations. Rollout decision-making is grounded in pilot data, not anecdote — making the business case transparent and defensible.
Shared service state dashboard
Manager accountability: enabled
Business case: evidence-based
ACTIVATED (PILOT)
MEDIUM IMPACT
MONEY Financial resources, capital & budgets Wasted customer visits represent invisible revenue leakage — customers who leave without transacting don't return that day, and some do not return at all. Brand trust erosion among high-frequency users (senior citizens, low-income households) compounds the revenue impact over time. No budget has been allocated because the problem has never been quantified. Low capex implementation: All components use commercially available, off-the-shelf equipment already proven in banking. Eco-Lounge sofas are built from low-cost materials. 1-month pilot at 3 locations provides ROI data before national commitment. Estimated ↓60% reduction in wasted visits translates directly to increased daily transaction volume — generating measurable revenue upside at minimal cost.
Capex: low
Transaction volume: ↑ (projected)
ROI: measurable post-pilot
FULLY ACTIVATED
HIGH IMPACT
8Ms SUMMARY — ACTIVATION SCORE: 6 FULLY ACTIVATED / 2 ACTIVATED IN PILOT PHASE

All 8 dimensions are addressed and activated by the solution. Six Ms are fully activated at launch (Manpower, Machinery, Materials, Methods, Mother Nature, Money). Two Ms (Measurement, Management) are activated but scale to full deployment only after the pilot generates operational data — a deliberate, responsible sequencing choice that de-risks the national rollout.

PERFORMANCE
OUTCOMES

Projected impact across every stakeholder group

👴
SENIOR CITIZENS
The most vulnerable group benefits most. They avoid standing for an hour only to be turned away. The system gives them dignity, predictability, and physical comfort — transforming their relationship with ShopRite Money Market and reducing the physical toll of failed visits.
🧾
TELLERS
Freed from managing the emotional fallout of blind queue failures. Tellers interact only with customers who have confirmed needs — reducing stress, improving throughput, and enabling focus on high-quality service rather than crisis management.
🏪
SHOPRITE BRAND
Every customer who walks away having received exactly what they came for strengthens the brand. Reduced frustration converts to increased loyalty, word-of-mouth, and repeat visits — improving CSAT scores and NPS across the Money Market division.
📊
OPERATIONS
For the first time, queue efficiency is measurable. Management has data, not anecdote. Outage events have a structured response. The pilot generates the evidence base for confident national rollout — turning a recurring cost into a competitive advantage.
MOTIVATION & CONFIDENCE EFFECT

Customers wait with purpose — they hold a number and have confirmed their service is available. This single change dramatically reduces frustration and increases trust in the ShopRite brand at every visit. The psychological shift from "I might be wasting my time" to "my place is confirmed" cannot be overstated — particularly for customers whose time and transport costs are precious.

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06 / 07 — ROLLOUT PLAN

Rollout Plan

Phased, low-risk implementation

Because this system is already proven in South African bank branches, rollout is adaptation rather than invention. Implementation can be phased across ShopRite's existing store network rapidly and at low cost — with minimal disruption to daily operations.

1mo
Pilot duration
3
Test locations
Low
Capex required
Fast
Staff training
money-market-staff-training Greeter staff training session

Space considerations While dedicated lounge space may be more limited in a busy retail environment than a bank branch, the core principle remains highly effective: confirm service availability first, then issue a number and allow comfortable waiting wherever space permits.
shoprite-money-market-floor-design Entry greeter zone — layout design
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07 / 07 — EXPECTED IMPACT

Expected Impact

Projected outcomes based on proven benchmarks

Every metric below is based on outcomes already observed in South African banking environments using equivalent queue management systems. This is not speculative — it is a proven model applied to a new and equally deserving context.

Customer satisfaction score
Wasted customer journeys
Teller throughput efficiency
Brand trust & loyalty
Senior citizen focus Senior citizens and vulnerable customers benefit most. They avoid standing for an hour only to be turned away. The system gives them dignity, predictability, and physical comfort at every single visit — transforming their relationship with ShopRite Money Market.
08 / 08 — DISCLAIMER

DISCLAIMER


This case study is an independent conceptual design exploration created for research, design-thinking, and customer experience analysis purposes only.

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This case study is published in the spirit of innovation, accessibility improvement, customer-centered design, and public-interest design exploration.