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  • 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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  • 29 May 2018
  • First Look

New Research and Ideas, May 29, 2018

February 2018 Journal of Accounting & Economics Bank CEO Materialism: Risk Controls, Culture and Tail Risk By: Bushman, Robert, Robert Davidson, Aiyesha Dey, and Abbie Smith Abstract—We investigate how the prevalence of materialistic... View Details
Keywords: Dina Gerdeman
  • February 2025
  • Case

Hyperscaling Dreams: Ualá's Path from Startup to Fintech Champion

By: Juan Alcácer and Manuel Franck
Ualá, a fintech startup founded in Argentina in 2017 by Pierpaolo Barbieri, aimed to increase financial inclusion in Latin America through a digital platform linked to a prepaid card. After rapid success in Argentina, it expanded into Mexico and Colombia, acquiring... View Details
Keywords: Banks and Banking; Leadership; Venture Capital; Talent and Talent Management; Strategy; Credit; Business Startups; Profit; Growth and Development Strategy; Banking Industry; Argentina; Mexico; Colombia; Latin America
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  • 01 May 2007
  • First Look

First Look: May 1, 2007

Walker, who has been credited as the first self-made African-American woman millionaire, created a hair-care empire after years spent as a laundress in St. Louis, Missouri. Decades before the Civil Rights movement, her company gave... View Details
Keywords: Sean Silverthorne

    W. Carl Kester

    Carl Kester is a Baker Foundation Professor and the George Fisher Baker Jr. Professor of Business Administration, Emeritus at Harvard Business School. He is a member of the Finance Unit. He served as Deputy Dean for Academic Affairs (2006-2010), Chairman of the... View Details

    Keywords: banking; banking; banking; banking; banking; banking; banking
    • 24 Jun 2014
    • First Look

    First Look: June 24

    credit and documentary collection terms. Transactions are more likely to occur on cash in advance or letter of credit terms when the importer is located in a country with weak contractual enforcement. As an... View Details
    Keywords: Sean Silverthorne
    • 21 Dec 2009
    • Research & Ideas

    Good Banks, Bad Banks, and Government’s Role as Fixer

    assets seems to be based on the assumption that banks are the primary originator of new loans. In fact, banks accounted for only 22 percent of the credit extended in the United... View Details
    Keywords: by Roger Thompson; Banking; Banking
    • Web

    Publications - Faculty & Research

    Calyx Global: Rating Carbon Credits By: Michael W. Toffel and Adam Chen Teaching note to support the Calyx Global: Ratinng Carbon Credits case (HBS No. 625-102) View Details Citation Purchase Related Toffel,... View Details
    • February 1994 (Revised July 2008)
    • Case

    Banc One Corporation: Asset and Liability Management

    By: Benjamin C. Esty, Peter Tufano and Jon Headley
    Banc One's share price has been falling recently due to analyst and investor concern over the bank's heavy use of interest rate derivatives. Dick Lodge, chief investment officer in charge of the bank's investment and derivative portfolio, must recommend to the CEO a... View Details
    Keywords: Credit Derivatives and Swaps; Financial Management; Interest Rates; Investment Portfolio; Governance Controls; Risk Management; Banking Industry
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    • 29 Jan 2019
    • First Look

    New Research and Ideas, January 29, 2019

    grappling with three questions. First, should GPS create its own mobile app for credit card customers or leverage the bank’s already successful mobile banking app? Second, if a separate app was developed,... View Details
    Keywords: Dina Gerdeman
    • May 2020
    • Article

    How Quantitative Easing Works: Evidence on the Refinancing Channel

    By: Marco Di Maggio, Amir Kermani and Christopher Palmer
    We document the transmission of large-scale asset purchases by the Federal Reserve to the real economy using rich borrower-linked mortgage-market data and an identification strategy based on mortgage market segmentation. We find that central bank QE1 MBS purchases... View Details
    Keywords: Monetary Policy; MBS; Quantitative Easing; LSAP; Refinancing; Deleveraging; HARP; GSE; Central Banking; Global Range; Financing and Loans; Credit; United States
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    • 2008
    • Working Paper

    Consumer Demand for Prize-Linked Savings: A Preliminary Analysis

    By: P. Tufano, Nick Maynard and Jan-Emmanuel De Neve
    This paper reports on a small-scale survey of the potential American demand for prize-linked savings accounts, an account that awards prizes as part of the saving product's return. In October 2006, Centra Credit Union launched a prize-linked savings pilot. As part of... View Details
    Keywords: Saving; Income; Consumer Behavior; Personal Finance; Investment Return; Banks and Banking; Clarksville
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    • 06 Oct 2015
    • First Look

    October 6, 2015

    had no prior experience, were more likely to fail, and had lower performance than those who did not benefit from the reform. Our results provide evidence that despite asymmetric information and opacity in startup lending, banks' screening can play an important role in... View Details
    Keywords: Sean Silverthorne
    • Web

    Faculty & Advisors | MBA

    Earlier in her career, Julia worked in investment banking at firms including JPMorgan and Credit Suisse. Steven Hochberg MBA ’89, Harvard University; BS, Business Administration, University of Michigan Steve... View Details
    • Web

    Giving - Alumni

    field immersions give students insights into global business. Read stories Ways to Give There are many ways to show your support—and have a far-reaching impact. By Credit Card By Check By Wire Transfer With Stock Donor-Advised Fund... View Details
    • 21 Nov 2022
    • Research & Ideas

    Buy Now, Pay Later: How Retail's Hot Feature Hurts Low-Income Shoppers

    track some 20,000 specific retailers to identify merchants using BNPL, including the top US retailers. Penalizing lower-income consumers The loans create what the authors call the “flypaper effect.” Consumers with healthy access to liquidity like View Details
    Keywords: by Rachel Layne; Retail; Financial Services; Technology
    • 31 Jul 2007
    • First Look

    First Look: July 31, 2007

    microfinance banks join forces to face the new challenges of globalization, competition, and politics while common shareholder ACCÍON investments considers its options. From an initial project to share costs in the revamping of their IT... View Details
    Keywords: Martha Lagace
    • Web

    Behavioral Finance & Financial Stability

    Moral-Benito MAR 2022 There are four main types of commercial credit: asset-based loans, cash flow loans, trade finance and leasing. The authors show that credit growth dynamics and bank lending channels... View Details
    • 22 Apr 2014
    • First Look

    First Look: April 22

    control over the use of remittances. In partnership with a Salvadoran bank, we offered U.S.-based migrants from El Salvador bank accounts in their home country into which they could send remittances. We randomly varied migrant control... View Details
    Keywords: Sean Silverthorne
    • 31 Oct 2013
    • Working Paper Summaries

    Do Measures of Financial Constraints Measure Financial Constraints?

    Keywords: by Joan Farre-Mensa & Alexander Ljungqvist