Fintech Lending - Publications - Faculty & Research

Research Summary

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

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

08 Apr 2020
News

The SBA Can Do This Round, But We Have To Think Bigger In The Next Round

September 2017 (Revised June 2019)
Case

Dianrong: Marketplace Lending, Blockchain, and 'The New Finance' in China

By: Christopher J. Malloy, Lauren H. Cohen and Anthony K. Woo

This case examines the strategic positioning of Dianrong, one of the largest online peer-to-peer (P2P) lending platforms in China, in its attempt to become a foundational player in the expansion of the FinTech sector in Asia. Dianrong had recently announced the... View Details

Keywords: Financing and Loans; Internet and the Web; Supply Chain; Finance; Innovation and Invention; Competition; Product Positioning; Strategy; Financial Services Industry; China

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Behavioral Finance & Financial Stability

investor sentiment measures that it makes available to researchers and the broader public. Please visit our About page for more information about the project. Data Research Invisible Primes: Fintech Lending... View Details

21 Nov 2022
Research & Ideas

Buy Now, Pay Later: How Retail's Hot Feature Hurts Low-Income Shoppers

with Gen Z shoppers in their teens and 20s. The payment method made up $97 billion—or 2.1 percent—of total US e-commerce sales in 2020, a figure that is expected to double by 2024. BNPL is so lucrative, merchants are paying fintech... View Details

Keywords: by Rachel Layne; Retail; Financial Services; Technology

25 May 2023
News

Brazil’s Nubank Turns 10

targeting federal civil servants. The idea is to gradually unroll this service to pensioners and the general population, while reducing the bank's exposure to its main lending product today, which is credit cards," according to the... View Details

Keywords: Funds, Trusts, and Other Financial Vehicles; Finance

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Research - Behavioral Finance & Financial Stability

Research Research Invisible Primes: Fintech Lending with Alternative Data By: Marco Di Maggio , Dimuthu Ratnadiwakara & Don Carmichael MAR 2022 Will the use of alternative data to assess borrowers’... View Details

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Profiles - MBA

alongside the fellowship's well-structured curriculum will create an environment that accelerates innovation.” Tech areas of interest: HeathTech, Tech-Enabled Services, Consumer Tech, Digital Services, Fintech Formative experience at the... View Details

29 Feb 2024
Blog Post

African American Student Union Spotlight on Social Enterprise

by co-directing and moderating the fintech and financial inclusion panel for the 2024 Africa Business Conference. With my co-director, we drafted the objectives and summary of the panel based on trends in the field and sourced senior... View Details

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Faculty & Researchers - Managing the Future of Work

National Economic Council. Mills is a venture capitalist and serves in leadership roles for several policy organizations, including as a Vice Chair of the National Bureau of Economic Research. She frequently provides analysis and insight on the small business View Details

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Winners & Runners-Up | New Venture Competition

powered by advanced ML algorithms embedded with a fintech solution. Hive Health Camille Ang (MBA/MPA-ID 2022) Jiawen Tang (MBA 2023/MPA-ID 2021) Business Track Co-Winner A B2B2C digital health insurer providing simplified, affordable, &... View Details

30 Nov 2016
Op-Ed

Where Could More Regulation Help Small Businesses? Online Lending.

experience. Not to be outdone, incumbents like JPMorgan Chase and Wells Fargo are also moving into online lending, in some cases partnering with emergent fintech players. Taken together, Morgan Stanley estimates online View Details

Keywords: by Karen Mills and Brayden McCarthy; Financial Services

01 Dec 2019
News

INK: Big News for Small Business

the US Small Business Administration says we are on the brink of a radical transformation. Fintech players like Amazon and Square, powered by big data and AI, have the potential to bring about a golden age for small business, she says,... View Details

Keywords: Jen McFarland Flint

03 Apr 2019
Book

Fintech's Game-Changing Opportunities for Small Business

Artificial intelligence, machine learning, and big data will transform financial services and small-business lending long before they impact driverless cars, predicts Harvard Business School Senior Fellow Karen G. Mills. “As we speak,... View Details

Keywords: by Martha Lagace; Banking; Financial Services

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Managing and Innovating in Financial Services - Course Catalog

of fintech is about providing services to banks. Third, many innovators depend on banks as their partners – either to provide credit to them or to facilitate their financial transactions, both in lending and... View Details

22 Feb 2022
News

An Rx for Small Business Recovery

disruptions and revenue losses will require even more transformational thinking.” Mills believes three important lessons from the pandemic can help point the way. FINANCE AND THE ECONOMIC RECOVERY READ MORE STORIES FINANCE AND THE ECONOMIC RECOVERY READ MORE STORIES... View Details

Keywords: Deborah Blagg

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Global Entrepreneurship - Course Catalog

increasingly pervasive nature of mobile connectivity and access to big data tools provides the opportunity to increase financial inclusivity through fintech startups. Mobile payments, saving, and lending are... View Details

23 Apr 2020
Research & Ideas

This Crisis Loan Program Preserved Jobs—and Made Money

the Boston area. [Image: BalkansCat ] Related Reading How Small Businesses Can Survive the Coronavirus Outbreak Small Businesses Are Worse Off Than We Thought Sophisticated Investors May Be Harming Fintech View Details

Keywords: by Rachel Layne; Financial Services

19 Jun 2022
Blog Post

Celebrating our Student Fathers

enough that you’re able to know everybody and big enough that there’s always someone available to lend a hand! The parent’s club is always planning great events for the kids (and parents!), but the small daily interactions at the park and... View Details

09 Apr 2019
First Look

New Research and Ideas, April 9, 2019

April 4, 2019 Palgrave Macmillan Fintech, Small Business & the American Dream: How Technology Is Transforming Lending and Shaping a New Era of Small Business Opportunity By: Mills, Karen G. Abstract—Fintech, Small Business & the... View Details

Keywords: Dina Gerdeman

Publications