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  • 21 Nov 2022
  • Research & Ideas

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

typically little or no credit check and most loans charge zero interest if the bills are paid on time. Retailers are willing to pay more for providing the service because almost half of consumers spend between 10 percent to 40 percent... View Details
Keywords: by Rachel Layne; Financial Services; Financial Services; Financial Services
  • 07 Jul 2010
  • First Look

First Look: July 7

ObenchainHarvard Business School Case 310-055 Facing the worldwide financial crisis, Goldman Sachs CEO Lloyd Blankfein considered his options including whether his company could avoid a forced marriage and what steps Goldman Sachs should take to try to restore... View Details
Keywords: Martha Lagace
  • 22 May 2019
  • Blog Post

What is FIELD Global Immersion?

low-income housing in India, develop new financial services for unbanked consumers in Morocco, and determine how to improve access to medical care for patients in Brazil. Once projects are proposed by... View Details
  • Web

Fellowships - Business History

fall semester. Recipients of the fellowship will receive work space, an e-mail account, a phone, a computer, an ID card, and access to the University’s libraries and to the HBS Intranet for the duration of the appointment. Applicants... View Details
  • May 2025 (Revised June 2025)
  • Background Note

Social Enterprise in Latin America

By: Brian L. Trelstad and Karina Souza
This research note provides an overview of the social enterprise ecosystem in Latin America, exploring current dynamics across key markets, including country-specific insights on Brazil, Mexico, Argentina, Colombia, Chile, and Central America. In a region characterized... View Details
Keywords: Impact Investing; Developing Countries and Economies; Social Entrepreneurship; Emerging Markets; Corporate Social Responsibility and Impact; Mission and Purpose; Ownership; Social Enterprise; Business Strategy; Equality and Inequality; Microfinance; Governing Rules, Regulations, and Reforms; Agriculture and Agribusiness Industry; Banking Industry; Financial Services Industry; Information Technology Industry; Latin America; Brazil; Mexico; Argentina; Colombia; Chile; Guatemala; Central America; Peru; Uruguay
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  • Web

Privacy Notice | About

utilized only for the purpose for which it has been requested. Harvard Business School may disclose the information you submit to its employees, consultants, service providers and agents, and to Harvard Business School clubs, other... View Details
  • Web

Policies, Rules & Guidelines | About

Policies, Rules & Guidelines Accessibility Review the full scope of Harvard's accessibility policies. Bike Policy To ensure the safe and responsible use of bicycles on campus, please review the policies and... View Details
  • Web

Entrepreneurship - Faculty & Research

access to financial services for low-income populations worldwide. As a result, it has become one of the most talked-about innovations in global development in recent decades. However, its expansion has not... View Details
  • 02 May 2023
  • What Do You Think?

How Should Artificial Intelligence Be Regulated—if at All?

countries. In China’s early-April draft, the proposed regulation “would require (generative AI) services to generate content that reflects the country’s socialist values.” Ironically, the list doesn’t include the US. Calls are just now... View Details
Keywords: by James Heskett; Information Technology; Technology
  • 01 Jun 2023
  • HBS Case

A Nike Executive Hid His Criminal Past to Turn His Life Around. What If He Didn't Have To?

imprisoned come from predominantly minority communities. In 2018, Black Americans were incarcerated in state prisons at nearly six times the rate of White Americans, research shows. Many prison reform advocates say long-standing disparities, such as racial segregation,... View Details
Keywords: by Dina Gerdeman; Apparel & Accessories
  • November 2022
  • Case

The Battle Among Channels for Marketing Pharmaceuticals: UpScript, Pharmacy Benefit Managers, and Direct-to-Consumer Sales

By: Regina E. Herzlinger and Tiffany Farrell
Can an online, direct-to-consumer pharmacy both improve the quality and speed of care for patients who need branded drugs and stabilize profits for pharmaceutical manufacturers? UpScript, after years spent achieving legal and regulatory compliance and simultaneous... View Details
Keywords: DTC; Internet and the Web; Marketing Channels; Customer Value and Value Chain; Governing Rules, Regulations, and Reforms; Competitive Strategy; Service Delivery; Growth and Development Strategy; Pharmaceutical Industry; Health Industry; Retail Industry
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  • 2022
  • Working Paper

Why Do Index Funds Have Market Power? Quantifying Frictions in the Index Fund Market

By: Zach Y. Brown, Mark Egan, Jihye Jeon, Chuqing Jin and Alex A. Wu
Index funds are one of the most common ways investors access financial markets and are perceived to be a transparent and low-cost alternative to active investment management. Despite these purported virtues of index fund investing and the introduction of new products... View Details
Keywords: Mutual Funds; Passive Investing; Asset Management; Financial Markets; Investment Funds; Financial Management; Financial Services Industry; United States
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  • 20 Jul 2009
  • Research & Ideas

Markets or Communities? The Best Ways to Manage Outside Innovation

problems or create value in some way. What's driving this trend? Karim Lakhani: The main driver is accessing knowledge that is widely distributed in the world. Many organizations are now finding they simply do not have the ability to... View Details
Keywords: by Sean Silverthorne; Technology
  • Web

Online Business Courses & Certifications | HBS Online

negotiation techniques to secure maximum value for yourself and your organization. 8 weeks, 4-5 hrs/week Pay by July 17 $1,850 Certificate New Transforming Customer Experiences Professor Ryan Buell Gain a systematic approach for delivering standout View Details
  • Web

Faculty & Research - Health Care

with one another. “ We are moving toward global competition for health care services driven by high costs in the United States and the lack of access to care in countries with governmentally controlled... View Details
  • Web

HBS - The year in Review

Students 18 Applications 896 Acceptance Rate 4% More Key Enrollment Statistics Full-Tuition Scholarships Offered In an effort to make the Master of Business Administration (MBA) degree more affordable and accessible to a wider array of... View Details
  • 01 Sep 2023
  • News

Solving for Z

With nearly 20 years of experience as a senior human resources executive, Matthew Breitfelder (MBA 2002) has seen a lot of change in the corporate talent space. But what’s happening now looks like a tectonic generational shift. From his perch as global head of human... View Details
Keywords: Alexander Gelfand; Illustrations by Doug Chayka; Administration of Human Resource Programs; Government
  • 27 Jun 2005
  • Research & Ideas

Asian and American Leadership Styles: How Are They Unique?

be open and forthcoming about their business model. As Asian companies seek access to world capital markets, they will move toward professional managers who will employ leadership styles more akin to those now used in the United States.... View Details
Keywords: by D. Quinn Mills
  • Program

Value Creation Through Effective Boards

materials, and bank details needed to pay tuition. Once payment is confirmed, you will receive an email confirming your place in the program. You will also receive access to the preparatory coursework materials you will need to complete... View Details
  • Profile

Soltan Bryce

came to HBS. They are my people!” While an MBA student, Soltan was on the founding team of the venture-backed startup, Plume, the first gender-affirming telehealth service that “provides access to... View Details