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  • December 18, 2023
  • Article

Lessons from Building a Payment Business in Africa

By: Ranjay Gulati
Keywords: Emerging Markets; Leadership; Partners and Partnerships; Information Infrastructure; Credit Cards; Financial Services Industry
Related
  • 23 Mar 2015
  • Research & Ideas

It’s Called ‘Price Coherence,’ and It’s Surprisingly Bad for Consumers

those who don't—or can't—take advantage of them. Edelman cites the credit card industry, for example. "When Visa wants to compete with American Express, it doesn't introduce a new Visa Basic card; instead,... View Details
Keywords: by Carmen Nobel; Retail; Air Transportation; Food & Beverage; Entertainment & Recreation
  • September 2016
  • Teaching Note

Apple Pay

By: Shelle Santana and Sunil Gupta
Keywords: Technology; Digital Services And Strategy; Launch; Mobile; Mobile Payments; Apple; Payments; Smartphone; Apple Pay; Eddy Cue; Jennifer Bailey; iOS; Iphone; Marketing; Product; Mobile and Wireless Technology; Product Launch; Finance; Credit Cards; United States; United Kingdom
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  • 07 Aug 2018
  • First Look

New Research and Ideas, August 8, 2018

collaborate with on this effort? Can this model be replicated at scale across the country? Purchase this case: https://hbsp.harvard.edu/product/218110-PDF-ENG Harvard Business School Case 518-079 Membership Rewards® from American Express View Details
Keywords: by Sean Silverthorne
  • April 1993 (Revised December 1994)
  • Case

Lehman Brothers and the Securitization of American Express Charge-Card Receivables

By: Andre F. Perold and Kuljot Singh
In early 1992, Lehman Brothers had received a mandate from its affiliate, American Express Travel Related Services (TRS) Co., to securitize a portion of its consumer charge-card receivables portfolio. It is now July 22, and Lehman and TRS have just returned from a... View Details
Keywords: Risk and Uncertainty; Credit Cards; Financial Instruments; Stocks; Asset Pricing
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  • 14 Dec 2009
  • Research & Ideas

Can Entrepreneurs Drive People Movers to Success?

agree" confirmations, it's all too easy to press an extra button that purportedly accepts one of these offers, without realizing that the offer actually carries a charge of $15 per month or more. Notably, these offers obtain consumers' View Details
Keywords: by Martha Lagace; Transportation
  • 29 Oct 2000
  • Research & Ideas

Building a Powerful Prestige Brand

advantage. Most of these retailers allowed consumers to buy on credit. Many, such as Marshall Field's, issued a store charge card to good customers. Charge cards and other possibilities for buying cosmetics... View Details
Keywords: by Nancy F. Koehn; Beauty & Cosmetics; Consumer Products; Retail
  • April 1993 (Revised December 1994)
  • Case

American Express TRS Charge-Card Receivables

By: Andre F. Perold and Kuljot Singh
American Express (TRS) Co. is considering a proposal to securitize a portion of their consumer charge-card receivables portfolio. In the past, they have relied exclusively on a captive finance subsidiary, Credco, to perform this function. The proposed securitization... View Details
Keywords: Credit Cards; Restructuring; Borrowing and Debt; Financial Management; Financial Strategy; Debt Securities; Travel Industry
Related
  • 15 Dec 2009
  • First Look

First Look: Dec. 15, 2009

first of a series of highly successful projects that established GE Money Bank as a leader in the Swiss credit card market. The business concept was to cooperate with the country's leading retailer MIGROS to... View Details
Keywords: Martha Lagace
  • 02 Mar 2020
  • What Do You Think?

Are Candor, Humility, and Trust Making a Comeback?

Professor Ryan Buell and doctoral student Moon Soo Choi caught my eye recently. Their study of a credit card offering to almost 400,000 customers of Commonwealth Bank, Australia’s largest, found that a... View Details
Keywords: by James Heskett
  • 22 Sep 2014
  • Op-Ed

Online Banks Fill Funding Needs for Small Business

tested if incumbent players decide to target the market gaps and new approaches themselves. Traditional large banks and credit card companies have access to three types of assets that could make them... View Details
Keywords: by Karen Mills; Banking; Financial Services
  • 20 Mar 2005
  • Research & Ideas

Lessons of Successful Entrepreneurs

industries that are going through a sea change. He recalled how a two-dollar ATM fee he once paid at an airport spurred him to start his own ATM network featuring out-of-town banks. Other ventures he helped create were a credit View Details
Keywords: by Sean Silverthorne
  • 31 May 2011
  • First Look

First Look: May 31

and James WeberHarvard Business School Case 511-065 Kevin Laracey, founder of Paydiant, needed to figure out how to launch a payment processing company with a new technology based on smart phones. Consumers had increasingly turned to electronic payment methods such as... View Details
Keywords: Sean Silverthorne
  • 29 Jun 2007
  • First Look

First Look: June 29, 2007

Spain, was expanding and wanted to exploit customer information to increase commercial effectiveness. At the same time, it was pushing for innovation in the nascent Spanish credit card market. To avoid the... View Details
Keywords: Martha Lagace
  • 07 Jan 2002
  • What Do You Think?

Did Consumer Behavior Tracking Come of Age on September 11?

banking and credit card transactions, and 68% would agree to the adoption of a national identification system for all U.S. citizens. Clearly, the behavior of U.S. citizens and those circulating among them... View Details
Keywords: by James Heskett
  • 17 Feb 2003
  • Research & Ideas

Tales of the Newly-minted MBA

Anderson, who is currently the senior vice president of strategic planning at Fleet Boston's credit card division. Begin with the end in mind, and remember that faith is power —you have to believe in... View Details
Keywords: by Julia Hanna
  • 04 Aug 2014
  • Op-Ed

Why Small-Business Lending Is Not Recovering

business loan market. Often times, the biggest banks refer small businesses below such revenue thresholds or seeking such low dollar loans to their small business credit card products, which earn higher... View Details
Keywords: by Karen Mills; Banking; Financial Services
  • 15 Apr 2013
  • Research & Ideas

Solving the Search vs. Display Advertising Quandary

these investments motivated consumers to plunk down their credit cards or fill out an application for a service. That's why the Internet has been such a godsend to companies, says Sunil Gupta, the Edward W.... View Details
Keywords: by Michael Blanding; Advertising
  • 10 Jun 2013
  • Research & Ideas

How Numbers Talk to People

their credit card, and then they also supplied the bank's address in the billing address fields. This caused the transaction to fail with the credit card processor. Simply... View Details
  • 03 Mar 2008
  • Research & Ideas

Marketing Your Way Through a Recession

times loom, we tend to retreat to our village. Look for cozy hearth-and-home family scenes in advertising to replace images of extreme sports, adventure, and rugged individualism. Zany humor and appeals on the basis of fear are out. Greeting View Details
Keywords: by John Quelch

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