Consumer Finance - Publications - Faculty & Research

Andrzej Baraniak

Andrzej is a cofounder of Albert, a direct to consumer financial technology company started in 2015. Albert has raised over $200 million to date, has over 1 million active subscribers and a team of over 100 employees. Before Albert,... View Details

Keywords: Finance

Jorge Londoño Saldarriaga

Keywords: Banking; Finance

01 Oct 2018
News

Learning About Leadership

the risks of their business are. “It is important to get outside of the Fidelity four walls sometimes. Explore, really be on the lookout, scanning for new ideas of what's driving consumer behavior outside of our industry.” View Details

Keywords: Finance

21 Oct 2013
News

Moving the Needle

for-profit. She began to make her mark as vice president of business development at Novica, in Los Angeles, an e-commerce company that connects artisans in developing countries to businesses and consumers in the US. "It's an innovative... View Details

Keywords: Jill Radsken; Finance; Finance

01 Sep 2006
News

Street Singer

your classmates’ experiences. That’s part of the value of HBS. It’s huge.” At Morgan Stanley, which she joined right out of HBS, Harris leads the equity private placements effort in global capital markets and covers the retail and View Details

Keywords: Julia Hanna; Finance

24 Feb 2014
Research & Ideas

Busting Six Myths About Customer Loyalty Programs

There are three ways to differentiate in retailing: location, location, and location. The problem is that as markets mature, location becomes less potent as a competitive advantage because the consumer has a growing abundance of... View Details

Keywords: by Marcel Corstjens & Rajiv Lal; Consumer Products; Consumer Products

15 Mar 2019
News

A Model of Drive and Impact

Pablo Fernandez Alvarez (GMP 17, 2014) is cofounder of Clicars, an e-commerce platform in Spain that allows users to buy and finance refurbished cars hassle-free. In this interview, Fernandez explains the business model, the reasons... View Details

Keywords: Motor Vehicle and Parts Dealers; Retail Trade

15 May 2013
Research & Ideas

From McRibs to Maseratis: The Power of Scarcity Marketing

access to our favorite things will make us keep appreciating them); Buy Time (focusing on time over money yields wiser purchases); Pay Now, Consume Later (delayed consumption leads to increased enjoyment); and Invest in Others (spending... View Details

Keywords: Re: Michael I. Norton

31 Mar 2002
What Do You Think?

Is This the Decade of the Investor?

influx of foreign capital helped finance investments in new technology, one might also conclude that U.S. employees and consumers benefited to a significant degree at the expense of foreign investors. This... View Details

Keywords: by James Heskett

18 Feb 2011
Working Paper Summaries

A Behavioral Model of Demandable Deposits and Its Implications for Financial Regulation

Keywords: by Julio J. Rotemberg; Financial Services

October 2008 (Revised August 2010)
Case

The Christmas Eve Closing

By: Peter Tufano

In 2002, two homeowners in Massachusetts are deciding whether to refinance their home less than two years after taking out an initial mortgage and a subsequent home equity line of credit. View Details

Keywords: Mortgages; Personal Finance; Consumer Behavior; Banking Industry; Massachusetts

Citation

Educators

Purchase

06 Sep 2005
Research & Ideas

The Best Place for Retirement Funds

paper called, "Asset Allocation and Asset Location: Household Evidence from the Survey of Consumer Finances," published by the Journal of Public Economics in August, 2004. Using data from the Survey of View Details

Keywords: by Ann Cullen

01 Aug 2016
Research & Ideas

Retail Execs Underplay Current Performance to Investors--but Why?

Business School finance professor Kenneth A. Froot in the April working paper What Do Measures of Real-Time Corporate Sales Tell Us about Earnings Surprises and Post-Announcement Returns? “It’s startling to find that managers are not even... View Details

Keywords: by Dina Gerdeman; Financial Services

02 Jan 2018
News

Reconsidering Retirement

computer system to allow the company to reduce the costs paid to other firms—software expert Tuchman’s area—the men had to build trust with consumers used to relying on big-name financial services firms. That meant getting the right... View Details

Keywords: April White; Finance; Finance

08 Sep 2003
Research & Ideas

A Bold Proposal for Investment Reform

For companies to redeem credibility with investors, argue Harvard Business School professors Paul Healy and Krishna Palepu, "fundamental and even radical reforms must be made to the way America's markets process the flows of information between View Details

Keywords: by Ann Cullen; Financial Services

01 Dec 2013
News

Oscar Winners

25-minute interview with President Bill Clinton: "The basis for starting Oscar was that we looked at existing offerings and simply thought that consumers deserved a lot better." View Details

Keywords: Finance; Finance; Finance

15 Feb 2018
Working Paper Summaries

Can Financial Innovation Solve Household Reluctance to Take Risk?

Keywords: by Laurent Calvet, Claire Celerier, Paolo Sodini, and Boris Vallée; Financial Services; Computer

01 Dec 2014
News

Making Big Data Fashionable

get designs to consumers in as little as four weeks—and at an affordable price. In 2012, Moon—who has a background in fashion design, investment banking, corporate strategy, and social commerce startups—launched Trendalytics, a visual... View Details

Keywords: Christine Lejeune; fashion; Market Research, Photo, Translation, Veterinary and Other Services; Professional Services

22 Feb 2022
News

A Focus on Latinx Entrepreneurs

business community who recognizes its growing potential in the US economy. Avance’s focus on lower middle-market business services and consumer sectors that often correlate to the types of companies founded by Latinx entrepreneurs meant... View Details

Keywords: Jennifer Gillespie

December 2018 (Revised October 2020)
Case

Shiseido: Reinvesting in Brand

By: Jill Avery and Nobuo Sato

Shiseido was in the midst of a six year corporate turnaround, trying to reverse the effects of decades of under-investment in R&D and marketing which had led to a cycle of declining customer support and brand value. Would the CEO’s VISION 2020 plan, centered on four... View Details