Banks And Banking - Publications - Faculty & Research

27 Jan 2015
First Look

First Look: January 27

Publications January 2015 American Economic Review: Papers and Proceedings Do Strict Capital Requirements Raise the Cost of Capital? Bank Regulation, Capital Structure, and... View Details

Keywords: Sean Silverthorne

16 May 2011
Research & Ideas

What Loyalty? High-End Customers are First to Flee

one time," says Buell. Third parties also track service quality (J.D. Power in this case). And because banking is a service that touches almost everyone, its customer group is diverse, making the... View Details

Keywords: by Julia Hanna

17 Nov 2022
News

Blockchain for Good

As the Nigeria-Biafra war raged around them, Stella Dyer (MBA 1994), her mother, and her brother made a dangerous dash for a better life. Huddled in the belly of a Portuguese cargo plane returning from delivering arms to the Biafran... View Details

Keywords: Ralph Ranalli

12 Jul 2016
First Look

July 12, 2016

Case 816-005, "Bigbelly," by Mitchell Weiss and Christine Snively. This case is an example of public entrepreneurship. Publisher's link: https://www.hbs.edu/faculty/Pages/item.aspx?num=51306 Financial Regulation in a Quantitative Model of... View Details

Keywords: Sean Silverthorne

20 Nov 2007
First Look

First Look: November 20, 2007

Working PapersNone this week PublicationsFinancial Development, Bank Ownership, and Growth. Or, Does Quantity Imply Quality? Author:Shawn Cole Periodical:Review of Economics View Details

Keywords: Martha Lagace

January 1993 (Revised November 1997)
Case

BayBank Boston

In 1992, the Federal Reserve released a study of mortgage lending patterns in Boston. It concluded that even when credit factors were taken into account, black and Hispanic applicants experienced higher rejection rates. Richard Pollard, chairman of BayBank Boston, had... View Details

Keywords: Prejudice and Bias; Ethics; Race; Mortgages; Banking Industry; Boston

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10 Jul 2020
Working Paper Summaries

Making Economics More Useful: How Technological Eclecticism Could Help

Keywords: by Amar Bhidé

22 Apr 2014
First Look

First Look: April 22

demand for control over remittances in the baseline survey. We also find positive spillovers of our savings intervention in the form of increased savings at other banks (specifically, banks in the U.S.). We... View Details

Keywords: Sean Silverthorne

September 2012
Case

BASIX (Abridged)

By: Shawn Cole and Peter Tufano

BASIX, an Indian microfinance corporation, must decide whether to continue to sell weather insurance to its clients. A brand-new financial product, weather insurance pays if measured rainfall during the growing season falls below a pre-specified limit. Mr. Sattaiah,... View Details

Keywords: Cost vs Benefits; Microfinance; Household; Risk Management; Insurance; Banking Industry; India

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March 2005
Article

Sovereign Debt As a Contingent Claim: A Quantitative Approach

By: Laura Alfaro and Fabio Kanczuk

We construct a dynamic equilibrium model with contingent service and adverse selection to quantitatively study sovereign debt. In the model, benefits of defaulting are tempered by higher future interest rates. For a wide set of parameters, the only equilibrium is one... View Details

Keywords: Sovereign Finance; Borrowing and Debt; Interest Rates; Balance and Stability; Risk and Uncertainty; Risk Management; Mathematical Methods; Management Style; Segmentation; Debt Securities; Banking Industry

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August 2023 (Revised January 2024)
Supplement

Arla Foods: Data-Driven Decarbonization (B)

By: Michael Parzen, Michael W. Toffel, Susan Pinckney and Amram Migdal

The case describes Arla’s history, in particular its climate change mitigation efforts, and how it implemented a price incentive system to motivate individual farms to implement scope 1 greenhouse gas emissions mitigation measures and receive a higher milk price. The... View Details

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February 2007 (Revised October 2007)
Case

BASIX

By: Shawn A. Cole and Peter Tufano

BASIX, an Indian microfinance corporation, must decide whether to continue to sell weather insurance to its clients. A brand-new financial product, weather insurance pays if measured rainfall during the growing season falls below a pre-specified limit. Mr. Sattaiah,... View Details

Keywords: Cost vs Benefits; Microfinance; Insurance; Risk Management; Banking Industry; India

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05 Jul 2016
First Look

July 5, 2016

practical use by managers or teaching by instructors of MBAs and executive MBAs. Download working paper: https://www.hbs.edu/faculty/Pages/item.aspx?num=51126 The Climate Custodians By: Eccles, Robert G., and... View Details

Keywords: Sean Silverthorne

27 Oct 2009
First Look

First Look: October 27

crossed with small financial incentives (ranging from U.S. $3 to $14) to open bank savings accounts. We find that the financial literacy program has no effect on the likelihood of opening a bank savings... View Details

Keywords: Martha Lagace

10 Mar 2014
Research & Ideas

Counting Up the Effects of Sarbanes-Oxley

Widely deemed the most important piece of security legislation since formation of the Securities and Exchange Commission in 1934, the landmark Sarbanes-Oxley Act of 2002 was born into a climate still reeling from the burst of the... View Details

Keywords: by Julia Hanna; Banking; Banking

17 Jun 2014
First Look

First Look: June 17

Working Papers Putting Skin in the Game: Managerial Ownership and Bank Risk-Taking By: Bouwens, Jan, and Arnt Verriest Abstract—This paper examines the relation between... View Details

Keywords: Sean Silverthorne

08 Dec 2015
First Look

December 8, 2015

increased service quality competition lead to customer defection, and which customers are most likely to defect? Our empirical analysis of 82,235 customers exploits the varying competitive dynamics in 644 geographically isolated markets... View Details

Keywords: Sean Silverthorne

Article

Are Self-service Customers Satisfied or Stuck?

By: Ryan W. Buell, Dennis Campbell and Frances X. Frei

This paper investigates the impact of self-service technology (SST) usage on customer satisfaction and retention. Specifically, we disentangle the distinct effects of satisfaction and switching costs as drivers of retention among self-service customers. Our empirical... View Details

Keywords: Service Delivery; Information Technology; Customer Satisfaction; Competition; Cost; Banks and Banking; Behavior; Market Transactions; Management Analysis, Tools, and Techniques

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March 2025
Case

The Changing Climate on Wall Street

By: Clayton S. Rose, Maxim Pike Harrell and Michael Norris

Increasing and conflicting regulatory requirements and political pressures regarding climate change tested the leaders of U.S. financial institutions, as they struggled to determine how best to comply while managing their business and its risks.
In October 2024,... View Details

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March 2014 (Revised June 2015)
Case

Can Mexico Make Democracy Work?

By: Gunnar Trumbull and Jonathan Schlefer

Enrique Peña Nieto, the presidential candidate of the old Mexican ruling party elected in 2012, passed the most fundamental reforms in at least two decades. They included allowing private competition in the energy sector, including with the state-owned oil company,... View Details