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- Faculty Publications (63)
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- All HBS Web (305)
- Faculty Publications (63)
- 17 Aug 2009
- Research & Ideas
Quantifying the Economic Impact of the Internet
The fight was lost as consumers voted for free information supported by advertising over subscription services. Ironically, online advertising and the commercialization of the Web achieved important goals of the resisters: to preserve the...
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- 29 Oct 2012
- Research & Ideas
Are You Paying a Tip--or a Bribe?
to leave payment for their hosts' servants at the end of their stay as a way of compensating for the extra work their visit created. Today, most people in Western societies draw a distinct line between tipping and bribery, and the fact...
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by Dina Gerdeman
- 14 Dec 2007
- Op-Ed
When Your Product Becomes a Commodity
availability, delivery, shipment quantities, payment terms, and all the other services that accompany the core product. Marketers must use their imagination. As the saying goes: "There are no mature products, only mature...
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by John Quelch
- Web
Faculty & Advisors - MBA
sector. Prior to launching Construct, she was a partner at New Enterprise Associates where she backed companies creating new advances in manufacturing, automation, and vertically integrated consumer brands. She led investments in...
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- Web
Domestic Students - MBA
Student Loans 101 Domestic Students Tuition Assistance Additional Harvard Funding External Funding Student Loans 101 Domestic Students International Students Evaluating Sponsorships Annual Cost of Attendance Summer Fellowships Career Support & Exploration Funds Fast...
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- 31 Jan 2023
- Op-Ed
Can Insurance Technology Solve the Uninsured Driver Problem?
nonstandard drivers frequently lapse on their payments in order to pay for basic necessities, then incur high fees when they re-enroll in coverage. Nonstandard carriers earn 13 percent of their premium income from fees and often require...
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- 22 Jul 2002
- Research & Ideas
Is Performance-Based Pricing the Right Price for You?
the last major consumer packaged goods advertiser to stay with a 15 percent fee, is moving in this new direction. It is sometimes a pragmatic pathway to managing risk, uncertainty, and performance for the long-term benefit of both...
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- 19 May 2015
- First Look
First Look: May 19
server or set of servers to store transactions and also avoiding any single party that can ban certain participants or certain types of transactions. Bitcoin is of interest to economists in part for its potential to disrupt existing View Details
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Sean Silverthorne
- 13 Aug 2012
- Research & Ideas
When Good Incentives Lead to Bad Decisions
application on a scale of 0 to 100. Loan approvals were not contingent on a minimum score. "This approach is common practice for consumer and small-enterprise loans for which the bank records internal ratings but does not use...
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- 21 Jul 2022
- Research & Ideas
Did Pandemic Stimulus Funds Spur the Rise of 'Meme Stocks'?
The US government set out to support consumers and jolt the economy when it issued federal stimulus checks during the early months of the COVID-19 pandemic. But actually, that money helped propel questionable investments in “meme stocks,”...
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- 25 Oct 2020
- Research & Ideas
The Dark Side of Fintech Borrowing
Consumers turning to fintech lenders are more likely to spend beyond their means, sink further into debt, and ultimately default more often than people with similar credit profiles borrowing from traditional banks, according to recent...
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- 21 Apr 2009
- First Look
First Look: April 21, 2009
contrast, small subsidy payments have a large effect on the likelihood of opening a savings account. These payments are more than two times more cost-effective than the financial literacy training, though...
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Martha Lagace
- Web
Buy Now, Pay Later &mdash Easy Payments: The Rise of Installment Selling
HBS Quick Links MBA Executive Education Doctoral Programs Faculty and Research Alumni HBS Publishing Site Index HBS Home Contact Us Map/Directions Introduction Credit in Pre-Industrial Society Credit and the Market Economy: The Rise of Credit Reporting Credit in a...
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- 15 Nov 2022
- Op-Ed
Why TikTok Is Beating YouTube for Eyeball Time (It’s Not Just the Dance Videos)
percent, up from 1 percent in 2020, making it the fastest-growing source of news consumption; half of consumers are between 16 and 24 years old. Live broadcasting. This copies a feature available on YouTube, Instagram, Twitch, Facebook,...
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by John Deighton and Leora Kornfeld
- 16 Mar 2009
- Research & Ideas
When the Internet Runs Out of IP Addresses
plan? How much time would this buy us? A: A market-based approach offers a real benefit to those who still need more IPv4 addresses after ordinary supplies run out. Rather than being told that no more IPv4 space is available, on any terms or at any price, these...
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- 06 Dec 2016
- First Look
December 6, 2016
importance to the American economic past and prompt enduring questions about the relationship of market freedom to human freedom. Publisher's link: https://www.hbs.edu/faculty/Pages/item.aspx?num=51947 forthcoming Journal of Consumer...
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Sean Silverthorne
- 12 Mar 2013
- First Look
First Look: March 12
marketers to communicate with consumers in a format that enhances their lives and offers long-term value. Paper: http://hbr.org/2013/03/for-mobile-devices-think-apps-not-ads/ar/1 The Mobile Banking Payment...
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Sean Silverthorne
- Web
Online Business Analytics Course | HBS Online
refer to our Payment & Financial Aid page . What materials will I have access to after completing Business Analytics? + – You will have access to the materials in every prior module as you progress through the program. Access to course...
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- 08 Aug 2005
- Research & Ideas
A Balanced Scorecard Approach To Measure Customer Profitability
marketing, technical, and sales resources; extra post-sales support for installation, training, warranty, and field service; and liberal payment terms. While all of these services create value and loyalty among customers, none of them...
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by Robert S. Kaplan
- 12 Nov 2013
- First Look
First Look: November 12
Publications November 2013 Journal of Consumer Research The Red Sneakers Effect: Inferring Status and Competence from Signals of Nonconformity By: Bellezza, Silvia, Francesca Gino, and Anat Keinan Abstract—We examine how people react to...
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Sean Silverthorne