Consumer Credit - Publications - Faculty & Research

15 Jan 2019
First Look

New Research and Ideas, January 15, 2019

budgets. Concurrently, changes to other government policies were causing expatriates—who made up about a third of Saudi Arabia’s population and were a key consumer of Almarai’s dairy products—to leave the country in droves. This case... View Details

Keywords: Dina Gerdeman

19 Jan 2023
Research & Ideas

What Makes Employees Trust (vs. Second-Guess) AI?

choose which goods to display. One set was from an algorithm that allocators could interpret, and the other was from a “black box” algorithm they couldn’t. Researchers then tested consumer reactions to allocators’ decisions for 425... View Details

Keywords: by Rachel Layne

21 Jun 2011
First Look

First Look: June 21

telecommunications to tobacco and soft drinks. The dangers of excessive market concentration are greater in finance, however, because of the systemic importance of credit to the economy and the now widely held belief that governments must... View Details

Keywords: 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... View Details

Keywords: by Carmen Nobel; Banking

19 Apr 2004
Research & Ideas

Birth of the American Salesman

and services that supported sales managers, including trade journals and popular magazines about salesmen and sales management. The creation of methods of sales management also opened up new branches of academic inquiry, such as marketing, View Details

Keywords: by Laura Linard

21 Apr 2009
First Look

First Look: April 21, 2009

experiments to test theoretical predictions of why adoption may be low. Insurance purchase is sensitive to price, with an estimated extensive price elasticity of demand between -0.66 and -0.88. Credit constraints, identified through the... View Details

Keywords: Martha Lagace

19 Sep 2023
Blog Post

2023 Summer Internships in Business & Environment

Summer Fellowship) NetaCarbon is the TurboTax for carbon credit – a carbon credit issuance platform that digitizes and streamlines the process of how carbon projects are created and managed. By reducing the... View Details

01 Jun 2023
News

Buy Big, Sell Small

least 75 percent of India’s consumer goods sales despite the significant inefficiencies of an outdated business model. “Kiranas are limited-inventory, 2,000- to 5,000-square-foot shops that don’t always get on-time deliveries or access to... View Details

Keywords: Deborah Blagg; retail; supply chain management; entrepreneurship; leadership; innovation; Miscellaneous Store Retailers; Retail Trade

Web

Winners & Runners-Up | New Venture Competition

chain, linking consumers with producers affordably and flexibly. Accio Alex Zannos (MBA 2025) Sara Ballantyne (MS/MBA 2025) Business Track Crowd Favorite Streamline and automates the hardware manufacturing process. Social Enterprise... View Details

06 Dec 2016
First Look

December 6, 2016

originating catalyst for the Industrial Revolution and modern capitalism casts new light on American credit markets, practices of offshore investment, and understandings of human capital. Rather than seeing slavery as outside the... View Details

Keywords: Sean Silverthorne

Web

Advisory Board - Entrepreneurship

and marketplaces, including both advertising-supported and fee-based services. Today, CNET Networks' online properties attract more than 66 million Web users each month ranging form C-level executives and IT professionals to technology or View Details

23 Jun 2008
Research & Ideas

Innovative Ways to Encourage Personal Savings

have legs—and whether they generate new savings. On the credit side, I think the presentation of information to credit card borrowers may influence the way they use their credit. We are currently working on... View Details

Keywords: by Martha Lagace; Financial Services

09 Jan 2020
Book

Rethinking Business Strategy in the Age of AI

a traditional business—the gym—into an $8 billion digital offering that pulled in more than $700 million in revenue during the last fiscal year. Foley credits the magic of today’s technology, including software, data, and communication... View Details

Keywords: by Dina Gerdeman

12 Dec 2011
HBS Case

HBS Cases: Clocky, the Runaway Alarm Clock

designing, positioning, marketing, and selling the animated snooze-button thwarter, as well as the challenge of expanding the company's product line. The cases deal with universal entrepreneurial consumer product questions: Should the... View Details

Keywords: by Carmen Nobel; Consumer Products

Web

Impact of the New Medium - Edwin H. Land & Polaroid | Harvard Business School

Education Alumni Baker Library Historical Collections MORE EXHIBITS HOME RESEARCH LINKS POLAROID FILMS SITE CREDITS “By making it possible for the photographer to observe his work and his subject matter simultaneously, and by removing... View Details

W. Earl Sasser

Earl Sasser is a Baker Foundation Professor at Harvard Business School and has been a member of the faculty there since 1969. He received a B.A. in Mathematics from Duke University in 1965, an MBA from the University of North Carolina in 1967, and a Ph.D. in... View Details

06 Nov 2008
Op-Ed

Selling Out The American Dream

zero. Consumer confidence has plummeted with the value of 401(k) plans and retirement nest eggs. Retail sales fell 1.2 percent in September, double the expected decline. Car sales are at a fifteen-year low. And View Details

Keywords: by John Quelch

12 May 2023
Blog Post

Independent Project: The Rise of Electric Heat Pumps

How do you assess the viability of a heat pump? Through an Independent Project with Professor George Serafeim, Meghavi Talati (MBA 2023) set out to develop a tool to help the average consumer navigate this decision. The Rise of Electric... View Details

08 Aug 2005
Research & Ideas

A Balanced Scorecard Approach To Measure Customer Profitability

provides customers with a menu of options representing variations from the standard order, such as a customized product or service, special packaging, expedited delivery, or extended credit terms. Each menu item has a price that at least... View Details

Keywords: by Robert S. Kaplan

Web

Kristin W. Mugford | About

investment committee. Bain Capital Credit is one of the leading corporate and distressed debt managers, managing over $40 billion in offices around the world. Kristin began her career at the Walt Disney Company, where she worked in... View Details

Publications