Banking And Insurance - Publications - Faculty & Research - Harvard Business School

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30 Nov 2016
Working Paper Summaries

The Stock Market and Bank Risk-Taking

Keywords: by Antonio Falato and David Scharfstein; Banking; Banking

June 2015 (Revised November 2015)
Case

Akbank: Options in Digital Banking

By: Rajiv Lal and Esel Çekin

This case discusses the digitalization strategies of a leading bank in Turkey, Akbank, and how to position its digital banking products going forward. The Turkish banking industry was undergoing a transformation prompted by the demands of the country's digitally savvy,... View Details

Keywords: Marketing; Banking; Emerging Market; Regulations; Channels; Digitization; Information Technology; Competition; Brands and Branding; Organizational Change and Adaptation; Emerging Markets; Distribution Channels; Banks and Banking; Digital Transformation; Banking Industry; Banking Industry; Turkey

2022
Working Paper

Many Markets Make Good Neighbors: Multimarket Contact and Deposit Banking

By: John William Hatfield and Jonathan Wallen

We investigate the relationship between the interest rates offered to consumers in a deposit banking market and the contact that banks in that market have with each other in other markets. We show, in a simple theoretical model, that such overlapping relationships... View Details

Keywords: Antitrust; Deposit Banking; Market Power; Multimarket Contact; Banks and Banking; Markets; Competition

02 May 2021
News

They’re Banking on Him

a moral obligation.” All eyes will be on Horta-Osório, in another high-stakes, high-stress moment on the global banking stage. “Shareholders and employees cannot wait for months for a new strategy,” Manuel... View Details

Keywords: banking; leadership; turnarounds; Finance

November 1995 (Revised November 1996)
Background Note

Global Property and Casualty Insurance Industry, The

This case gives a broad overview of the global property and casualty insurance industry. Topics covered include insurance economics and risk bearing, insurance accounting, risk-based capital, catastrophic risk, underwriting cycles, the Lloyd's crisis, reinsurance, and... View Details

Keywords: Risk Management; Insurance; Insurance Industry

September 1998 (Revised February 1999)
Case

Interactive Insurance Services: Redefining Insurance Distribution

By: Lynda M. Applegate and Marla Malcom-Nagler

Founded in July 1995, Interactive Insurance Services provided personal lines of insurance over the World Wide Web. In June 1996, the company was acquired by Intuit for $7.5 million. The case details the competitive and organizational issues faced by this rapidly... View Details

Keywords: Acquisition; Restructuring; Growth and Development; Distribution; Business Processes; Competitive Strategy; Web; Insurance Industry

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05 Jul 2016
News

Health Insurance Stores and Health Hubs

December 9, 2020
Article

Give Employees Cash to Purchase Their Own Insurance

By: Regina E. Herzlinger and Barak D. Richman

Employers’ and employees’ health care costs continue to skyrocket. A solution is to allow employers to give employees pre-tax cash to purchase their own health insurance. This move, enabled by a newly enacted federal rule, would put competitive pressure on insurers,... View Details

Keywords: Health Insurance; Health Care and Treatment; Insurance; Employees; Government Legislation

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26 Jun 2018
Working Paper Summaries

The Impact of Pensions and Insurance on Global Yield Curves

Keywords: by Robin Greenwood and Annette Vissing-Jorgensen; Insurance; Insurance

October 2020
Article

Corporate Legal Structure and Bank Loan Spread

By: Anywhere (Siko) Sikochi

This study examines how a corporate legal structure may affect borrowing costs. Corporate legal structure refers to the legal fragmentation of a firm into multiple, separately incorporated entities. This fragmentation is bound to be a factor when lenders determine the... View Details

Keywords: Corporate Legal Structure; Subsidiaries; Bank Loans; Minority Interest; Credit Risk; Organizational Structure; Business Subsidiaries; Financing and Loans

27 Dec 2013
News

At Lloyds, a Bank and Its Boss on the Rebound

Keywords: turnaround; banking; Credit Intermediation and Related Activities; Credit Intermediation and Related Activities

March 24, 2023
Article

What Silicon Valley Bank Did Right

By: Lou Shipley

There’s a reason Silicon Valley Bank became such a fixture among startups: it understood their needs better than any other bank. Even now, many banks don’t have the flexibility and understanding to make banking easy for startups. With SVB gone, a lot of young companies... View Details

Keywords: Startup; Silicon Valley; Entrepreneurship; Bank; Finance; Business Startups; Banks and Banking; Banking Industry

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2011
Case

China Merchants Bank in Transition

By: F. Warren McFarlan, Guoqing Chen and Ziqian Zhao

This case depicts China Merchants Bank's second strategic transformation. In the 90's, China Merchants Bank creatively introduced an all-in-one-card and an all-in-one-net based on IT systems and network, enabling itself to expand nationwide. By successfully entering... View Details

Keywords: Commercial Banks; Credit Cards; Strategy; Transformations; Information Technology; Banking Industry; China

June 2018
Teaching Note

Zurich Insurance

By: Boris Groysberg, David Lane and Joni Coughlin

This teaching note addresses six cases in the Zurich Insurance series, the overview case (HBS No. 417-035) and five cases focused on particular change efforts (HBS Nos. 417-036 through 417-040).
Zurich Insurance was undergoing organizational change after... View Details

2017
Working Paper

The Importance of Unemployment Insurance as an Automatic Stabilizer

By: Marco Di Maggio and Amir Kermani

We assess the extent to which unemployment insurance (UI) serves as an automatic stabilizer to mitigate the economy's sensitivity to shocks. Using a local labor market design based on heterogeneity in local benefit generosity (defined as the percentage of household... View Details

Keywords: Unemployment Insurance; Automatic Stabilizers; Bartik Shocks; Aggregate Demand; System Shocks; Employment; Balance and Stability; Insurance; Volatility; Insurance Industry

January 2008
Article

On the Pricing of Intermediated Risks: Theory and Application to Catastrophe Reinsurance

By: K. A. Froot and P. O'Connell

Keywords: Catastrophe Risk; Corporate Finance; Banking And Insurance; Hedging; Banking; Financial Markets; Insurance; Policy; Risk Management; Natural Disasters; Cost of Capital; Asset Pricing; Insurance Industry

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July 2019 (Revised March 2020)
Case

At-Bay Cyber Insurance

By: Marco Di Maggio and David Lane

At-Bay was a cyber insurance startup that offered companies coverage against a wide array of cyber risks—exposure to which the firm was able to quickly assess and price on the basis of technical expertise that traditional insurance carriers lacked. In mid-2019, At-Bay... View Details

Keywords: Business Startups; Insurance; Disruptive Innovation; Risk Management; Product Marketing; Distribution Channels; Information Technology; Salesforce Management; Insurance Industry

November 1995 (Revised April 1998)
Case

National Insurance Corporation

The case visits the catastrophe insurance business at an interesting time in the history of the insurance markets. A major reinsurer, National Insurance, is taking a look at the new insurance derivatives being traded on the Chicago Board of Trade with a view to using... View Details

Keywords: Risk Management; Insurance; Capital Markets; Insurance Industry; United States

August 2012 (Revised June 2013)
Case

Paul Thomson: Walker Insurance

By: Michael Roberts, Jim Sharpe and Sonia Nagala Change

Having just acquired Walker Insurance, Paul Thomson finds himself short of funds to support his original turnaround plan. He can request additional cash from his investor group, hunker down and grow at a slower rate or consider a proposal to buy his business. He has... View Details

Keywords: Crisis Management; Acquisitions; Search Funds; Entrepreneurial Management; Entrepreneurs; Insurance; Turnarounds; Boards Of Directors; Sales Force Management; Entrepreneurship; Insurance Industry; Florida

March 2024 (Revised January 2025)
Case

Hippo: Weathering the Storm of the Home Insurance Crisis

By: Lauren Cohen, Grace Headinger and Sophia Pan

Rick McCathron, CEO of Hippo, considered how the firm’s underwriting model could account for the effects of climate change. Along with providing smart home packages, targeting risk-friendly customers, and using data-driven pricing, the Insurtech used technologically... View Details

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