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  • October 2021
  • Article

Fintech Borrowers: Lax Screening or Cream-Skimming?

By: Marco Di Maggio and Vincent Yao
Personal credit is the fastest-growing segment of the consumer credit market, mainly driven by fintech lenders' staggering expansion. We study this market using a unique individual-level data, which covers most of the top fintech and traditional lenders, and provides... View Details
Keywords: Fintech; Lending; Consumer Finance; Credit History; Self-control; Present Bias; Financing and Loans; Personal Finance; Credit; Behavior
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  • 29 Jun 2007
  • First Look

First Look: June 29, 2007

focus exclusively on estimates of expected payoffs, such as credit ratings, without considering the state of the economy in which default is likely to occur. Such investors are likely to be attracted to securities whose payoffs resemble... View Details
Keywords: Martha Lagace
  • 15 Jan 2013
  • First Look

First Look: January 15

http://ssrn.com/abstract=2192460 Dollar Funding and the Lending Behavior of Global Banks Authors:Ivashina, Victoria, David S. Scharfstein, and Jeremy C. Stein Abstract A large share of dollar-denominated lending is done by non-U.S. banks,... View Details
Keywords: Sean Silverthorne
  • Research Summary

Overview

Professor Begenau’s research agenda is directed at better understanding how financial markets work and how they affect the real economy. She uses quantitative analysis to build both prescriptive and descriptive models concerning financial risk in banking, and she also... View Details
  • 05 May 2009
  • First Look

First Look: May 5, 2009

paper identifies performance pressure as a critical barrier to effective knowledge utilization. Performance pressure creates threat rigidity effects in teams, meaning that they default to using the expertise of high-status members while... View Details
Keywords: Martha Lagace
  • Web

Marketing - Faculty & Research

states, these data often contain noise or irrelevant information, obscuring the true customer states. Second, existing state construction techniques focus primarily on summarizing characteristics related to short-term values, rather than capturing the broader View Details
  • 20 Dec 2016
  • First Look

December 20, 2016

forthcoming Research in Organizational Behavior The Dynamic Componential Model of Creativity and Innovation in Organizations: Making Progress, Making Meaning By: Amabile, Teresa M., and Michael G. Pratt Abstract—Leveraging insights gained... View Details
Keywords: Carmen Nobel
  • 2022
  • Working Paper

The Need for Speed: The Impact of Capital Constraints on Strategic Misconduct

By: F. Christopher Eaglin
Under what conditions do firms engage in strategic misconduct? Why do they undertake actions that increase profitability yet break laws or violate strong norms often with costly consequences for public welfare? The strategic management literature offers two external... View Details
Keywords: Corporate Misconduct; Capital Constraints; Organizations; Crime and Corruption; Behavior; Situation or Environment; Capital
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  • Web

Finance - Faculty & Research

the true customer states. Second, existing state construction techniques focus primarily on summarizing characteristics related to short-term values, rather than capturing the broader behaviors that drive long-term customer value. These... View Details
  • 23 Jan 2023
  • Research & Ideas

After High-Profile Failures, Can Investors Still Trust Credit Ratings?

important lesson: getting it wrong can seriously damage their reputations and hurt their businesses. As economic fears mount and raise default concerns, a fresh analysis of new-and-improved credit rating agencies sounds a hopeful note... View Details
Keywords: by Ben Rand
  • 19 Feb 2019
  • First Look

New Research and Ideas, February 19, 2019

forthcoming Journal of Political Economy CEO Behavior and Firm Performance By: Bandiera, Oriana, Stephen Hansen, Andrea Prat, and Raffaella Sadun Abstract— We measure the behavior of 1,114 CEOs in six... View Details
Keywords: Sean Silverthorne
  • Web

Help - Alumni

(MD/MBA) Master in Business Administration (MBA) Owner/President Management Program (OPM) PhD in Business Economics (PhDBE or PhDBusEc) PhD in Information, Technology, and Management (PhDITM) PhD in Organizational Behavior (PhDOB) PhD in... View Details
  • 12 May 2021
  • Book

The Hard Truth About Being a CEO

Fubini, a senior lecturer in the Organizational Behavior Unit at Harvard Business School, poured that knowledge, along with a list of lessons learned from researching leaders past and present into the book Hidden Truths: What Leaders Need... View Details
Keywords: by Michael Blanding
  • 13 Oct 2015
  • First Look

October 13, 2015

contribution rates differ between employees hired before versus after the Roth introduction, which means that the amount of retirement consumption being purchased by 401(k) contributions increases after the Roth introduction. A survey experiment suggests two View Details
  • 31 Aug 2015
  • Research & Ideas

How Ben Franklin’s ‘Way to Wealth’ Introduced American Capitalism to the World

states have implemented different ideas and pursued different strategies in order to gain a competitive edge,” says Reinert. “Franklin could write for the elites—he did so often. But he chose this specific set of guidelines for virtuous economic View Details
Keywords: by Julia Hanna
  • 07 Feb 2017
  • Research & Ideas

The Right Way to Cry in Front of Your Boss

frustration or sadness. Wolf differentiates those expressions from anger directed at others. In the paper Managing Perceptions of Distress at Work: Reframing Emotion as Passion, published in the November 2016 issue of Organizational View Details
Keywords: by Roberta Holland
  • 25 Oct 2020
  • Research & Ideas

The Dark Side of Fintech Borrowing

cards that are empty and they start using them again,” Di Maggio says. “And so leverage starts ramping up again, but now they have to repay both the credit card debt and the personal loan, which cause their defaults to skyrocket.” This... View Details
Keywords: by Rachel Layne; Financial Services; Banking
  • 13 May 2013
  • Research & Ideas

How to Spot a Liar

having lied in negotiations, and everyone believes they've been lied to in these contexts," Malhotra says. "We may be able to improve the situation if we can equip people to detect and deter the unethical behavior of... View Details
Keywords: by Carmen Nobel
  • 26 Apr 2011
  • First Look

First Look: April 26

the sale of insurance products). Moreover, the use of CLV information did not have a negative impact on pricing, as some of the literature suggests, nor on default risk, indicating that managers increased sales to more profitable... View Details
Keywords: Sean Silverthorne
  • 10 Mar 2020
  • Research & Ideas

The Little Understood Problem Confronting Diverse Workplaces

police, telling these kids what to do.” That observation led to another insight: Tutors, charged with pushing behavioral standards associated with a college-bound, middle-class, professional culture, were questioning their role in the... View Details
Keywords: by Julia Hanna