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Show Results For
- All HBS Web
(18)
- People (1)
- News (5)
- Research (7)
- Multimedia (1)
- Faculty Publications (7)
Page 1 of 18
Results
- Forthcoming
- Article
In the Red: Overdrafts, Payday Lending and the Underbanked
By: Marco Di Maggio, Angela Ma and Emily Williams
The reordering of transactions from “high-to-low” is a controversial bank practice thought to maximize fees paid by low-income customers on overdrawn accounts. We exploit multiple class-action lawsuits resulting in mandatory changes to this practice, coupled with... View Details
- 08 Feb 2021
- Working Paper Summaries
In the Red: Overdrafts, Payday Lending, and the Underbanked
- January 2025
- Case
PayJoy: Financing for the Next Billion
By: Boris Groysberg and Sarah L. Abbott
PayJoy, an impact-driven financial technology company founded in 2015, provides smartphone financing and other financial products to customers who lack access to traditional credit products. As of early 2025, PayJoy had issued $2.5 billion in loans to 13 million... View Details
Keywords: Social Impact; Fintech; Underbanked; Algorithm; Data Analysis; Technology; Business Startups; Business Model; Growth and Development; Information Technology; Social Enterprise; Developing Countries and Economies; Credit; Mission and Purpose; Entrepreneurship; Financing and Loans; Financial Services Industry; Technology Industry; South America; South Africa; Asia; Latin America; Africa; Southeast Asia
Groysberg, Boris, and Sarah L. Abbott. "PayJoy: Financing for the Next Billion." Harvard Business School Case 425-036, January 2025.
- 24 Jul 2019
- News
Is the U.S. on Its Way to Becoming a Cashless Society?
- September 2020 (Revised December 2021)
- Case
Building India's 2.0: PayNearby
By: Lauren Cohen and Spencer C. N. Hagist
Headquartered in Mumbai, India, FinTech startup Nearby Technologies has seen its flagship brand, PayNearby, rapidly flourish across most of its target market within just four years. The unprecedented success of its payment app, which allows users to access banking... View Details
Keywords: Fintech; Developing Markets; Payments; Financial Inclusion; Finance; Entrepreneurship; Emerging Markets; Competitive Strategy; Banking Industry; India
Cohen, Lauren, and Spencer C. N. Hagist. "Building India's 2.0: PayNearby." Harvard Business School Case 221-027, September 2020. (Revised December 2021.)
DJ DiDonna
Dennis “DJ” DiDonna has dedicated his career to commercializing social science research to create organizations which positively impact the world.
He is a Senior Lecturer in the Entrepreneurial Management Unit at Harvard Business School where he teaches the... View Details
- May 2018 (Revised January 2019)
- Case
AirFox (A): Embracing the Blockchain and an ICO
By: Jeffrey J. Bussgang, Edward B. Berk and Nate Schwalb
In summer 2017, Victor Santos, CEO of AirFox, considered whether to pivot his startup towards a new product built with blockchain—a quickly growing technology at the time. AirFox was an early stage startup that sold Software-as-a-Service (SaaS) to small telecom... View Details
Keywords: Blockchain; Cryptocurrency; Initial Coin Offering; ICO; Business Startups; Finance; Currency; Strategy; Decision Making; United States
Bussgang, Jeffrey J., Edward B. Berk, and Nate Schwalb. "AirFox (A): Embracing the Blockchain and an ICO." Harvard Business School Case 818-097, May 2018. (Revised January 2019.)
- November 2018 (Revised June 2022)
- Teaching Note
AirFox (A): Embracing the Blockchain and an ICO
By: Jeffrey J. Bussgang and Nathaniel Schwalb
Teaching Note for HBS No. 818-097. In summer 2017, Victor Santos, CEO of AirFox, considered whether to pivot his startup towards a new product built with blockchain—a quickly growing technology at the time. AirFox was an early stage startup that sold... View Details
- Web
Entrepreneurship - Faculty & Research
; Underbanked ; Algorithm ; Data Analysis ; Technology ; Business Startups ; Business Model ; Growth and Development ; Information Technology ; Social Enterprise ; Developing Countries and Economies ; Credit ; Mission and Purpose ;... View Details
- Web
Winners & Runners-Up | New Venture Competition
Kyalwazi (MD/MPP 2024) Leonard Nettey (MD/PhD) Social Enterprise Track Winner Empowering Black college students pursuing careers in health sciences. Pando Claire Wu (MBA 2023) Andrew Setiawan Social Enterprise Track Runner-Up & Crowd Favorite Winner Democratizing... View Details
- Profile
Dan Vallone
School, I was primarily interested in finance—that’s why I did my summer internship in investment banking. My larger ambition was to help underserved and underbanked communities gain greater access to capital. My firm was great—a... View Details
- 27 Jan 2014
- Blog Post
Opportunity Abounds
space. This company was doing truly disruptive work to bring financial services to India’s unbanked / underbanked population (~700 million) in an effort to help lift their fellow citizens into the middle class, or at least closer to it.... View Details
Keywords: Technology
- 01 Sep 2020
- News
Road Work
Camino business is underbanked and informally run, lacking the data footprint that regular cash deposits and a digital bookkeeping system provide. Finally, some of Camino’s borrowers are undocumented immigrants to the United States.... View Details
- Web
Finalists | New Venture Competition
household/individual use. Pando Claire Wu (MBA 2023) Andrew Setiawan Democratizing credit for 150M underbanked Indonesians by providing alternative loans and helping them to build a credit history. Reentry Care Pooja Chandrashekar (MBA/MD... View Details
- 13 Jan 2021
- News
Silicon Valley’s “Detroit Moment”
other products.” Like for instance, delivering e-commerce packages or being cash-in/cash-out points for financial services in a market with high underbanked rates. And so totally reinvented the model, learning in some ways from what... View Details
- 11 Dec 2018
- First Look
New Research and Ideas, December 11, 2018
launch a new blockchain currency to facilitate financial services for unbanked and underbanked customers in emerging markets via their smartphone. Santos had to decide whether to go forward with the new plan despite regulatory risk,... View Details
Keywords: Dina Gerdeman