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  • All HBS Web  (614)
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  • 25 Aug 2003
  • Research & Ideas

Should You Sell Your Digital Privacy?

you by stores, researchers, and credit agencies belongs to those companies, not to you. They in turn resell that information to others. So if our personal information is such an asset, shouldn't we benefit from our asset as well? Why... View Details
Keywords: by Manda Salls & Sean Silverthorne; Advertising
  • 18 Apr 2005
  • Research & Ideas

Selling Luxury to Everyone

Luxury is the new essential. Consumers know it and retailers are reaping the bounty. At a "Growth Strategies in the Luxury Goods Industry" panel on April 3 at the HBS Retail and Luxury Goods Conference, moderator Nancy F. Koehn... View Details
Keywords: by Julie Jette; Consumer Products
  • 19 Nov 2019
  • Op-Ed

Gender Bias Complaints against Apple Card Signal a Dark Side to Fintech

In late August, the Apple Card debuted with a minimalist look and completely “no fee” model, creating a frenzy of anticipation. Millions signed up to be alerted for the release. Designed to boost traffic to its slow-to-be-adopted Apple Pay system and increase View Details
Keywords: by Karen G. Mills; Financial Services
  • 10 Jun 2013
  • Research & Ideas

How Numbers Talk to People

Thomas H. Davenport and Jinho Kim offer an introduction to the best methods for consuming data. In this excerpt, Davenport and Kim discuss multiple ways to tell a story with data, "the best way to communicate results to nonanalytical... View Details
  • 25 Oct 2012
  • Research & Ideas

10 Reasons Customers Might Resist Windows 8

called the "Charm Bar." Give Microsoft credit for innovation. But will corporate customers rush to embrace the change, or will they resist it at first? Signs point to resistance, according to Rosabeth Moss Kanter, the Ernest L.... View Details
Keywords: by Carmen Nobel; Consumer Products; Consumer Products
  • 11 Aug 2014
  • HBS Case

The Business of Behavioral Economics

You've done everything—endured diets, purged your freezer of Ben & Jerry's, and educated yourself on fat, sugar, and calories. Yet, you can't manage to lose weight. What's wrong with you? According to standard economic theory, which gives humans (perhaps too much)... View Details
Keywords: by Michael Blanding; Food & Beverage; Health
  • 13 Jan 2014
  • Research & Ideas

How Government Can Restore the Faith of Citizens

service." When asked if "Government often does a better job than given credit for," only 34 percent of people agreed after viewing the first case; but some 57 percent agreed after the second case. Seeing the visual evidence... View Details
Keywords: by Michael Blanding
  • 29 Oct 2000
  • Research & Ideas

Building a Powerful Prestige Brand

advantage. Most of these retailers allowed consumers to buy on credit. Many, such as Marshall Field's, issued a store charge card to good customers. Charge cards and other possibilities for buying cosmetics on View Details
Keywords: by Nancy F. Koehn; Consumer Products; Consumer Products; Consumer Products
  • 08 Mar 2017
  • Op-Ed

Op-Ed: Can the Proposed American Health Care Act Improve on 'Obamacare'?

an employer should not be able to require that I have an annual checkup. Individual consumers should have the right to decide whether they need these services. It is wrong to contend that fostering consumer... View Details
Keywords: by John Quelch, Dr. Gordon Moore, and Emily Boudreau
  • 17 Apr 2017
  • HBS Case

This Turkish Debt Collector Is Customer-friendly

of both their consumers and regulators. “Usually, with debt collection, the object is to dial for dollars—collect as much as you can in the first phone call, and then outsource the work to the legal system,” says Campbell, whose research... View Details
Keywords: by Michael Blanding; Financial Services
  • 25 Aug 2009
  • First Look

First Look: August 25

reduction in monopoly price leads to the production of units that cost less than their value to consumers (standard channel); (ii) regulation calms down existing consumers because a reduction in the profits... View Details
Keywords: Martha Lagace
  • 24 Feb 2014
  • Research & Ideas

Busting Six Myths About Customer Loyalty Programs

making the award more lucrative and therefore more salient in the minds of the consumers, or they help consumers accumulate rewards in other ways that could be redeemed in their stores. To solve the challenge of the infrequent vacation... View Details
Keywords: by Marcel Corstjens & Rajiv Lal; Consumer Products; Consumer Products
  • 06 Apr 2010
  • First Look

First Look: April 6

controlling family, when the borrower has a higher degree of informational opacity, a lower credit rating, and a lower potential for being propped up, when the loan facility is subject to more credit risk,... View Details
Keywords: Martha Lagace
  • 18 Jul 2005
  • Research & Ideas

Identify Emerging Market Opportunities

to invest in retailing. Product Markets. Developing countries have opened up their markets and grown rapidly during the past decade, but companies still struggle to get reliable information about consumers, especially those with low incomes. Developing a View Details
Keywords: by Tarun Khanna, Krishna G. Palepu & Jayant Sinha
  • 07 Sep 2011
  • First Look

First Look: Sept. 7

capitalism. Read the article: http://hbr.org/2011/09/global-capitalism-at-risk-what-are-you-doing-about-it/ar/1 A Darker Side to Decentralized Banks: Market Power and Credit Rationing in SME Lending Authors:Rodrigo Canales and Ramana... View Details
Keywords: Sean Silverthorne
  • 01 Nov 2011
  • First Look

First Look: Nov. 1

online discount vouchers, a new marketing tool that offers consumers large discounts when they prepay for participating merchants' goods and services. Within a model of repeat experience good purchase, we examine two mechanisms by which a... View Details
Keywords: Sean Silverthorne
  • 21 Apr 2015
  • First Look

First Look: April 21

https://hbr.org/2015/03/starbucks-race-together-campaign-and-the-upside-of-ceo-activism April 2015 Strong Brands, Strong Relationships Framing the Game: How Brands' Relationships with Their Competitors Affect Consumer Preference By:... View Details
Keywords: Carmen Nobel & Sean Silverthorne
  • 19 May 2020
  • Research & Ideas

Why Privacy Protection Notices Turn Off Shoppers

By now, it’s an expected right-of-passage. As you enter credit card information for an online purchase, up pops two familiar words: “Privacy Notice.” Does seeing those words make you more confident about the transaction, knowing that the... View Details
Keywords: by Michael Blanding; Retail
  • 14 May 2013
  • First Look

First Look: May 14

Gap? Government Subsidized Lending and Access to Capital By: Lerner, Josh, and Kristle Romero-Cortes Abstract—The consequences of providing public funds to financial institutions remain controversial. We examine the Community Development Financial Institution (CDFI)... View Details
Keywords: Sean Silverthorne
  • 11 Nov 2013
  • Research & Ideas

A Smarter Way to Reduce Customer Defections

targeting efforts. The First Cut Customer attrition is a widespread problem that affects firms in a variety of industries. For example, US credit card providers often deal with annual churn rates of about 20 percent, and mobile phone... View Details
Keywords: by Dina Gerdeman; Retail; Service
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