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  • 2020
  • Working Paper

The Cost of Banking Deserts: Racial Disparities in Access to PPP Lenders and their Equilibrium Implications

By: Jeffrey Wang and David Hao Zhang
Many government support programs for small businesses are designed to pass through banks and credit unions. However, this poses barriers for minority communities that are less connected to financial institutions for obtaining this support. Using the latest program for... View Details
Keywords: Banking Deserts; Minority Communities; Paycheck Protection Program; Banks and Banking; Small Business; Demographics; Race; Government and Politics; Programs
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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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  • October 2013 (Revised August 2016)
  • Case

NOWaccount

By: Ramana Nanda, William A. Sahlman and Lauren Barley

It was September 2013, and NOWaccount Network Corporation (NOW®) co-founders John Hayes and Lara Hodgson were putting the final touches on the presentation deck for their annual shareholders' meeting. Along with co-founder Stacey Abrams, the pair had designed NOW's... View Details

Keywords: Entrepreneurial Finance; Finance; Entrepreneurship
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    Benjamin C. Esty

    Benjamin Esty is the Roy and Elizabeth Simmons Professor of Business Administration at Harvard Business School. Over the years, he has taught a variety of courses ranging from advanced corporate finance and project finance to competitive strategy and leadership. He... View Details

    Keywords: banking; asset management; investment banking industry; consumer products; shipping; wine; financial services
    • October 2020
    • Case

    HOPE and Transformational Lending: Netflix Invests in Black Led Banks

    By: John D. Macomber and Janice Broome Brooks
    Following the killing of George Floyd on Memorial Day in 2020, the large US corporation Netflix elected to make a "transformational deposit" of $10 million into Hope Credit Union (HCU), a small Black led community development finance institution (CDFI) based in... View Details
    Keywords: Banking; Rural Entrepreneurship; Economic Development; Black Entrepreneurs; Economic Growth; Credit; Banks and Banking; Entrepreneurship; Rural Scope; Development Economics; Race; Investment; Decision Making; Banking Industry
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    • Blog

    HBS Online and Executive Education Leadership: Q+A with Patrick Mullane and Luis Viceira

    the brand matters, but we often don’t give ourselves enough credit for being the brand—we make the brand valuable by the things we do, and I think sometimes the broader community doesn't hear that enough. It's pretty amazing. (LV):... View Details

      Dennis Campbell

      Dennis W. Campbell is currently the Dwight P. Robinson Jr. Professor of Business Administration at Harvard Business School. His research and teaching activities focus broadly on how management control systems can be designed to balance short-term strategy execution... View Details

      Keywords: financial services; service industry; hotels ＆ motels; consumer products; restaurant; manufacturing; professional services
      • September 2012 (Revised July 2013)
      • Case

      Can the Eurozone Survive?

      By: Dante Roscini and Jonathan Schlefer
      The sovereign debt crisis that took Greece by storm in 2010 began to spread to other European markets. Within a few months Ireland and Portugal had also lost access to the sovereign debt markets and had to rely on supranational loans for their financing. The risk of... View Details
      Keywords: Sovereign Debt Crisis; Currency Areas; Financial Crisis; Borrowing and Debt; Currency Exchange Rate; International Relations; Banking Industry; European Union; Germany; France; Italy; Spain; Greece; Portugal
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        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: asset management; banking; education industry; financial services; investment banking industry; pharmaceuticals; private equity (LBO funds)
        • 02 Apr 2013
        • Working Paper Summaries

        Monitoring and the Portability of Soft Information

        Keywords: by Dennis Campbell & Maria Loumioti; Banking
        • 05 Oct 2010
        • First Look

        First Look: October 5, 2010

        Affect Credit Ratings? Authors:Bo Becker and Todd Milbourn Abstract The credit rating industry has historically been dominated by just two agencies, Moody's and S&P, leading to longstanding legislative... View Details
        Keywords: Sean Silverthorne
        • 24 Jun 2008
        • First Look

        First Look: June 24, 2008

        developmental and foreign policy goals. Specifically, we argue that tax credits for companies, and tax breaks for individuals, can be used to incentivize productive investments while being a positive force for meaningful reform in the... View Details
        Keywords: Martha Lagace
        • September 2010 (Revised December 2010)
        • Case

        Santander Consumer Finance

        By: J. Gunnar Trumbull, Elena Corsi and Andrew Barron
        A Spanish company has to decide if they should expand into the fragmented European consumer finance market and has to make important organizational strategy decisions in the midst of the world economic downturn that followed the 2007 U.S. credit crunch. Since 2002, the... View Details
        Keywords: Borrowing and Debt; Financial Markets; International Finance; Personal Finance; Consolidation; Corporate Strategy; Expansion; Financial Services Industry; European Union; Spain
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        • 07 Apr 2009
        • First Look

        First Look: April 7, 2009

        a self-reported measure. Overall, we find that debt literacy is low: only about one-third of the population seems to comprehend interest compounding or the workings of credit cards. Even after controlling for demographics, we find a... View Details
        Keywords: Martha Lagace
        • Web

        Help - Alumni

        Magazine content is available online for free. To search class notes and obituaries, login is required. Harvard University Employees Credit Union The Credit View Details
        • Web

        Technology & Operations Management - Faculty & Research

        and services within individual operating units; the networks of information and material flows that tie operating units together and the systems that support these networks; the distribution and delivery of goods and services to customers. Recent Publications Calyx... View Details
        • Web

        Podcast - Business & Environment

        their private equity, venture capital, and catalytic credit strategies are helping scale recycling, reuse, and circular supply chains.Lauren also explores the critical role of policy—especially extended producer responsibility(EPR)... View Details
        • 28 Apr 2009
        • First Look

        First Look: April 28, 2009

        the United States and Germany in particular, and the United States and European Union more generally, suggests that how countries resolve tensions between protecting patients and empowering consumers will impact the international... View Details
        Keywords: Martha Lagace
        • 13 Dec 2016
        • First Look

        December 13, 2016

        emerged in areas ranging from labor markets to credit applications to housing—sometimes made worse by a lack of regulation, the absence of in-person interactions, and the use of automation and big data. How can companies reverse the tide?... View Details
        Keywords: Carmen Nobel
        • 04 Jun 2024
        • Research & Ideas

        Navigating Consumer Data Privacy in an AI World

        such as whether credit card information or social security numbers were at risk of being leaked. However, following the Cambridge Analytica scandal, society has become more aware that the misuse of personal but public information can pose... View Details
        Keywords: by Rachel Layne; Technology; Information Technology