Publications

15 Apr 2020
News

Former SBA Head: Fintech Is Key To Aid Small Businesses

22 Apr 2019
News

How Fintech Can Push Small Businesses to the Next Level

31 Oct 2017
News

Predictions for the Future of Small Business Lending and Fintech

05 Nov 2024
Book

Building the Road to 'Small Business Utopia' with AI and Fintech

Editor's note: The following is an excerpt from chapter one of Fintech, Small Business & the American Dream, written by Karen G. Mills, senior fellow at Harvard Business School. The second edition was published in 2024 by Palgrave Macmillan. The cycle of View Details

Keywords: by Karen G. Mills; Financial Services

30 Jun 2020
Podcast

56. Disruption Amidst Disruption: FinTech in the Age of Coronavirus

This week on The Disruptive Voice we're delighted to bring you a timely conversation with Professor Luis Viceira and David Snider (MBA '13) on the state of the FinTech industry. Luis serves as the George E. Bates Professor in the Finance Unit and is also Senior... View Details

September 2019 (Revised July 2021)
Case

Sopra Banking Software: Can a French Fintech Succeed in the U.S.?

By: Christina R. Wing

July 2021 (Revised August 2023)
Supplement

Wirecard: The Downfall of a German Fintech Star Student Spreadsheet Supplement

By: Jonas Heese and Charles CY Wang

July 2021 (Revised August 2023)
Supplement

Wirecard: The Downfall of a German Fintech Star Instructor Spreadsheet Supplement

By: Jonas Heese and Charles CY Wang

19 Nov 2019
Op-Ed

Gender Bias Complaints against Apple Card Signal a Dark Side to Fintech

In late August, the Apple Card debuted with a minimalist look and completely “no fee” model, creating a frenzy of anticipation. Millions signed up to be alerted for the release. Designed to boost traffic to its slow-to-be-adopted Apple Pay system and increase consumer... View Details

Keywords: by Karen G. Mills; Financial Services

14 Aug 2019
Podcast

Fintech on Main Street: How small businesses are banking on new technology

Technology is changing financial institutions’ relationships with local businesses and sole proprietors, which account for half of America’s workforce. HBS professor and former head of the Small Business Administration Karen Mills sheds light on the ongoing... View Details

December 2021
Case

The Instant Payment Mandate: The Central Bank of Brazil and Pix

By: Lauren Cohen and Spencer C. N. Hagist

João M. P. De Mello and his team at the Central Bank of Brazil are preparing a move that would seek to tilt the scales in favor of financial inclusion for the entire country. The innovation at hand is the unprecedented nation-wide instant payment scheme: Pix. The fruit... View Details

Keywords: Fintech; Finance; Entrepreneurship; Innovation Strategy; Banking Industry; Brazil

24 May 2021
News

This Fintech Startup Thinks It Can Help Companies Build Conscious Business Cultures

September 2024
Case

Xendit: Hiring for Growth

By: Jeffrey F. Rayport, Steve Castano, Quoc Anh Nguyen and Claire Wu

In 2019, Xendit, a growth-stage Southeast Asia (SEA) fintech venture based in Jakarta, was looking to hire a Head of Sales and Head of Product to lead its next phase of growth. Founded by Moses Lo and Tessa Wijaya, Xendit provided payment infrastructure, modeling... View Details

Keywords: Fintech; Financing and Loans; Entrepreneurship; Jobs and Positions; Sales; Product; Growth and Development; Selection and Staffing; Organizational Culture; Expansion; Financial Services Industry; Technology Industry; Southeast Asia; Indonesia; Philippines

December 2023
Supplement

Revenue Recognition at Stride Funding: Making Sense of Revenues for a Fintech Startup

By: Jung Koo Kang

April 2020 (Revised August 2020)
Case

CredEx Fintech: Business Model Transformation During the Digital Era

By: Laura Huang, Raphael Amit and Xu Han

Founded in 2010, CredEx has been a fast and constant innovator in the microfinance industry in China. Tang Xia, CEO and co-founder of CredEx, has led the company through a number of profound business model innovations in response to external environment changes, which... View Details

Keywords: Digitization; Fintech; Business Model; Innovation and Invention; Transformation; Microfinance; Organizational Change and Adaptation