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  • 2021
  • Chapter

Building Small Business Utopia: How Artificial Intelligence and Big Data Can Increase Small Business Success

By: Karen G. Mills and Annie Dang
Small business lending has remained unchanged for decades, laden with frictions and barriers that prevent many small businesses from accessing the capital they need to succeed. Financial technology, or “fintech,” promises to change this trajectory. In 2010, new fintech... View Details
Keywords: Big Data; Fintech; Artificial Intelligence; Small Business; Financing and Loans; Capital; Success; AI and Machine Learning; Analytics and Data Science
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  • 19 Oct 2015
  • Research & Ideas

Business Research that Makes for Smarter Public Policy

school gave it an enormous amount of credibility.” Getting Smart on Data The legitimizing power of academic research is something Karen Mills saw close up even before joining the Small Business... View Details
Keywords: by Michael Blanding
  • 2019
  • Book

Fintech, Small Business & the American Dream: How Technology Is Transforming Lending and Shaping a New Era of Small Business Opportunity

By: Karen G. Mills
Fintech, Small Business & the American Dream describes the needs of small businesses for capital and demonstrates how technology—novel data sources, artificial intelligence, machine learning—will transform the small business lending market. This market has been... View Details
Keywords: Fintech; Big Data; Data; Technology; Artificial Intelligence; Great Recession; Regulation; Innovation; Banks; Lending; Loans; Access To Capital; American Dream; Community Banking; Small Business Administration; Entrepreneur; Government; Public Policy; API; Policy Making; Small Business; Financing and Loans; Technological Innovation; Financial Crisis; Banks and Banking; Governing Rules, Regulations, and Reforms; Policy; AI and Machine Learning; Analytics and Data Science; United States
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  • February 2023 (Revised February 2024)
  • Case

Chari: Exploring Fintech in Morocco

By: Karen G. Mills and Ahmed Dahawy
This case examines the challenges and opportunities of doing business in Morocco. It highlights Morocco’s unique economy where cash remains a dominant player in the market despite global advancements in digitalization. The case also explores the various cultural and... View Details
Keywords: Business Model; Cultural Entrepreneurship; Social Entrepreneurship; Business History; Business and Government Relations; Technological Innovation; Distribution Industry; Financial Services Industry; Morocco
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  • Web

Browse All Articles, Research, & Case Studies - HBS Working Knowledge

ensuring implementation, and the critical importance of corporate involvement in driving ambitious climate action. 05 Nov 2024 Book Building the Road to 'Small Business Utopia' with AI and Fintech View Details
  • October 2020
  • Article

The Supply Chain Economy: A New Industry Categorization for Understanding Innovation in Services

By: Mercedes Delgado and Karen G. Mills
An active debate has centered on the importance of manufacturing for driving innovation in the U.S. economy. This paper offers an alternative framework that focuses on the role of suppliers of goods and services (the “supply chain economy”) in national performance. We... View Details
Keywords: Supply Chain Industries; Business-to-consumer Industries; Services; Innovation; Economy; Framework; Supply Chain; Service Operations; Innovation and Invention; Economic Growth; United States
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  • 2022
  • Chapter

The Servicification of the U.S. Economy: The Role of Startups versus Incumbent Firms

By: Mercedes Delgado, J. Daniel Kim and Karen G. Mills
Over the last few decades, the U.S. economy has exhibited a significant shift from manufacturing towards services. This transition has been particularly prominent in an important subcategory of services industries that drives innovation and employs many high-wage... View Details
Keywords: Servicification; Supply Chain Industries; STEM Labor; Innovation; Growth; Entrepreneurship; Innovation and Invention; Economic Growth; Policy; Service Industry; United States
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  • Web

Managing the Future of Work

Faculty Lynda M. Applegate Prithwiraj Choudhury Joseph B. Fuller Shane Greenstein Nien-he Hsieh William R. Kerr Karen G. Mills Frank Nagle Jan W. Rivkin Raffaella Sadun Willy... View Details
  • Web

Faculty & Researchers - Managing the Future of Work

The Ready-Made Garment Industry: A Bangladeshi Perspective (A) , Harvard Business School case, 2017. With Saloni Chaturvedi. Work , Routledge Companion to Social and Political Philosophy, 2012. Justice in Production , Journal of Political... View Details
  • Web

General Management - Faculty & Research

to 'Small Business Utopia' with AI and Fintech Re: Karen Mills 01 Nov 2024 Layoffs Surging in a Strong Economy? Advice for Navigating Uncertain Times View Details
  • Web

Named Fellowship Funds - Alumni

established by Katelin “Katie” K. Bramley (MBA 1993) and Donald “Don” G. Bramley (MBA 1993) in honor of their 30th Reunion to support students who have experienced homelessness... View Details
  • 22 May 2012
  • First Look

First Look: May 22

Publisher's Link: http://hbr.org/product/sleeping-with-your-smartphone-how-to-break-the-24-/an/10816-HBK-ENG Assessing Country Competitiveness: The Case of Spain Authors:Mercedes Delgado and Christian H.M.... View Details
Keywords: Sean Silverthorne
  • 22 Feb 2022
  • News

An Rx for Small Business Recovery

about the research exploring the supply chain economy conducted by Karen Gordon Mills and Mercedes Delgado.... View Details
Keywords: Deborah Blagg
  • Web

2022 Reunion Presentations - Alumni

energy public and private infrastructure, working with your shareholders, and convincing the board to go along with the plan. Fintech and Small Business Lending: How Technology... View Details