Filter Results:
(1,520)
Show Results For
- All HBS Web
(1,520)
- People (3)
- News (238)
- Research (1,101)
- Events (2)
- Multimedia (3)
- Faculty Publications (723)
Show Results For
- All HBS Web
(1,520)
- People (3)
- News (238)
- Research (1,101)
- Events (2)
- Multimedia (3)
- Faculty Publications (723)
- 2022
- Working Paper
Buy Now, Pay Later Credit: User Characteristics and Effects on Spending Patterns
By: Marco Di Maggio, Justin Katz and Emily Williams
Firms offering "buy now, pay later" (BNPL) point-of-sale installment loans with minimal underwriting and low interest have captured a growing fraction of the market for short-term unsecured consumer credit. We provide a detailed look into the US BNPL market by... View Details
- Research Summary
Overview
By: Mark L. Egan
When considering how households make investment decisions, Professor Egan became intrigued by the question, “What makes a bank ‘special’ when compared to other lending institutions?” Focusing on empirical industrial organization with applications to finance and... View Details
- Web
Behavioral Finance & Financial Stability
Financial Sector More Info The Impact of Pensions and Insurance on Global Yield Curves By: Robin Greenwood & Annette Vissing-Jorgensen JUN 2018 In this NBER working paper, researchers from the Behavioral Finance and Financial Stability... View Details
- 06 Dec 2020
- Working Paper Summaries
'Repayment-by-Purchase' Helps Consumers to Reduce Credit Card Debt
- 01 Mar 2012
- News
Making Finance Personal
inspire, formulate, and drive new and improved product design and development, even without specialized knowledge. With its consumer base, for example, Intuit went from conducting a single experiment with customers of TurboTax, its... View Details
- September 2009
- Supplement
Consumer Lending in Japan: Citi CFJ (B)
By: J. Gunnar Trumbull and Akiko Kanno
As the regulatory environment for consumer lending evolves, CFJ has to decide how to respond. View Details
Keywords: Personal Finance; Governing Rules, Regulations, and Reforms; Risk Management; Business and Government Relations; Banking Industry; Japan
Trumbull, J. Gunnar, and Akiko Kanno. "Consumer Lending in Japan: Citi CFJ (B)." Harvard Business School Supplement 710-018, September 2009.
- 8 Jun 2015
- Talk
How Prices Really Affect Consumers
By: Shelle Santana
Santana, Shelle. "How Prices Really Affect Consumers." Harvard Club of New York City, New York, NY, June 8, 2015.
- March 2019
- Article
Consuming Together (versus Separately) Makes the Heart Grow Fonder
By: Ximena Garcia-Rada, Lalin Anik and Dan Ariely
Across three studies, we investigate how consumers in romantic relationships make decisions when choosing an item to share with their partner. We show that consumers will forgo their preferred alternative for an option that is more aligned with the preferences of their... View Details
Keywords: Shared Consumption; Close Relationships; Conflicting Preferences; Spending; Decision Making; Relationships; Motivation and Incentives
Garcia-Rada, Ximena, Lalin Anik, and Dan Ariely. "Consuming Together (versus Separately) Makes the Heart Grow Fonder." Marketing Letters 30, no. 1 (March 2019): 27–43.
- 09 Mar 2020
- Research & Ideas
Warring Algorithms Could Be Driving Up Consumer Prices
antitrust authorities, who fear they could ultimately harm consumers by raising prices above typical competitive levels. It doesn’t seem too long ago when a price change was a major strategic decision for companies, requiring extensive... View Details
- October 2008 (Revised September 2009)
- Case
Consumer Lending in Japan: Citi CFJ (A)
By: J. Gunnar Trumbull and Akiko Kanno
Despite a tradition of high household savings, Japan has supported a dynamic and technically sophisticated consumer-lending sector. The high profitability of the sector has periodically attracted interest from domestic banks as well as international investors. Most... View Details
Keywords: Mergers and Acquisitions; Financing and Loans; Foreign Direct Investment; Personal Finance; Courts and Trials; Business and Government Relations; Banking Industry; Japan
Trumbull, J. Gunnar, and Akiko Kanno. "Consumer Lending in Japan: Citi CFJ (A)." Harvard Business School Case 709-017, October 2008. (Revised September 2009.)
- 2014
- Book
Consumer Lending in France and America: Credit and Welfare
By: Gunnar Trumbull
Why did America embrace consumer credit over the course of the twentieth century, when most other countries did not? How did American policy makers by the late twentieth century come to believe that more credit would make even poor families better off? This book traces... View Details
Trumbull, Gunnar. Consumer Lending in France and America: Credit and Welfare. New York: Cambridge University Press, 2014.
- 14 Mar 2011
- Research & Ideas
Keeping Credit Flowing to Consumers in Need
rebuilding the housing finance system, the credit needs of low-income consumers, mortgage finance alternatives, and the regulation of consumer financial products. In this... View Details
- 30 Sep 2019
- News
Consumer instant gratification can prove risky
- Web
Finance - Faculty & Research
Finance Finance May 2014 Article Dynamics of Demand for Index Insurance: Evidence from a Long-Run Field Experiment By: Shawn A. Cole , Daniel Stein and Jeremy Tobacman This paper estimates how... View Details
- Web
Buy Now, Pay Later: Home Finance
HBS Quick Links MBA Executive Education Doctoral Programs Faculty and Research Alumni HBS Publishing Site Index HBS Home Contact Us Map/Directions Introduction Credit in Pre-Industrial Society Credit and the Market Economy: The Rise of Credit Reporting Credit in a... View Details
Supply Chain Finance at Procter & Gamble
In April 2013, Procter & Gamble (P&G), the world's largest consumer packaged goods (CPG) company, announced that it would extend its payment terms to suppliers by 30 days. At the same time, P&G announced a new supply chain financing (SCF) program giving... View Details
- November 2007
- Article
A Model of Consumer Learning for Service Quality and Usage
By: Raghuram Iyengar, Asim Ansari and Sunil Gupta
In many services, e.g., the wireless service industry, consumers choose a service plan based on their expected consumption. In such situations, consumers experience two forms of uncertainty. First, consumers may be uncertain about the quality of their service provider... View Details
Keywords: Experience and Expertise; Customer Value and Value Chain; Learning; Price; Knowledge Use and Leverage; Marketing Strategy; Consumer Behavior; Service Delivery; Quality; Risk and Uncertainty; Service Industry
Iyengar, Raghuram, Asim Ansari, and Sunil Gupta. "A Model of Consumer Learning for Service Quality and Usage." Journal of Marketing Research (JMR) 44, no. 4 (November 2007): 529–544.
- November 2007
- Article
Measuring Consumer and Competitive Impact with Elasticity Decompositions
Marketing investments are designed to change consumer behavior in ways that help goods compete in the marketplace. Previous research has focused on using elasticity decompositions to measure how these investments affect either consumer decision making or competing... View Details
Keywords: Decision Choices and Conditions; Investment Return; Marketing Strategy; Consumer Behavior; Measurement and Metrics; Mathematical Methods; Competitive Advantage
Steenburgh, Thomas J. "Measuring Consumer and Competitive Impact with Elasticity Decompositions." Journal of Marketing Research (JMR) 44, no. 4 (November 2007): 636–646.
- July 1992
- Case
Bank One and Increased Consumer Credit
Greyser, Stephen A. "Bank One and Increased Consumer Credit." Harvard Business School Case 593-004, July 1992.
- Article
Consumer Price Sensitivity and Price Thresholds
By: Sangman Han, Sunil Gupta and Donald R. Lehmann
Han, Sangman, Sunil Gupta, and Donald R. Lehmann. "Consumer Price Sensitivity and Price Thresholds." Journal of Retailing 77, no. 4 (Winter 2001): 435–456. (Honorable Mention, Davidson Award for Best Paper, Journal of Retailing, 2003.)