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  • All HBS Web  (12,155)
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  • 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
Citation
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Trumbull, J. Gunnar, and Akiko Kanno. "Consumer Lending in Japan: Citi CFJ (A)." Harvard Business School Case 709-017, October 2008. (Revised September 2009.)
  • Article

The Effects of Interest Rates on Mortgage Prepayments

By: Jerry R. Green and John B. Shoven
Citation
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Green, Jerry R., and John B. Shoven. "The Effects of Interest Rates on Mortgage Prepayments." Journal of Money, Credit & Banking 18, no. 1 (February 1986): 41–59.
  • January 1984
  • Article

Stability and Polarization of Interests in Job Matching

By: A. E. Roth
Keywords: Employment
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Roth, A. E. "Stability and Polarization of Interests in Job Matching." Econometrica 52, no. 1 (January 1984): 47–57.
  • October 1988 (Revised May 1989)
  • Case

General Electric: Consumer Electronics Group

By: David J. Collis and Nancy Donohue
Highlights the General Electric takeover of RCA and the consolidation of the two companies' consumer electronic groups. Starting first with a history of the television industry in the United States, Europe, and Japan, and then a brief discussion of the main competitors... View Details
Keywords: Competition; Markets; Business Strategy; Consumer Products Industry; Consumer Products Industry
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Collis, David J., and Nancy Donohue. "General Electric: Consumer Electronics Group." Harvard Business School Case 389-048, October 1988. (Revised May 1989.)
  • November 2017
  • Teaching Note

Predicting Consumer Tastes with Big Data at Gap

By: Ayelet Israeli and Jill Avery
CEO Art Peck was eliminating his creative directors for The Gap, Old Navy, and Banana Republic brands and promoting a collective creative ecosystem fueled by the input of big data. Rather than relying on artistic vision, Peck wanted the company to use the mining of big... View Details
Keywords: Brands; Brand & Product Management; Big Data; "Marketing Analytics"; Consumer Behavior; Predictive Analytics; Forecasting; Preferences; Operation Management; Distribution Channels; Marketing; Marketing Channels; Marketing Strategy; Brands and Branding; Forecasting and Prediction; Data and Data Sets; Retail Industry; Fashion Industry; Apparel and Accessories Industry; United States; North America
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Israeli, Ayelet, and Jill Avery. "Predicting Consumer Tastes with Big Data at Gap." Harvard Business School Teaching Note 518-053, November 2017.
  • August 2008 (Revised July 2011)
  • Case

Consumer Payment Systems — United States

By: Benjamin Edelman and Andrei Hagiu
In 2008, the U.S. consumer payments landscape was characterized by the ongoing prevalence of credit and debit card networks, the decline of checks, the rise of stored value cards, and the growth of new payment methods such as PayPal, Bill Me Later, and decoupled debit.... View Details
Keywords: Borrowing and Debt; Financial Management; Personal Finance; Digital Platforms; Motivation and Incentives; Competitive Strategy; Internet and the Web; United States
Citation
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Edelman, Benjamin, and Andrei Hagiu. "Consumer Payment Systems — United States." Harvard Business School Case 909-006, August 2008. (Revised July 2011.) (request a courtesy copy.)
  • January 2020 (Revised May 2020)
  • Case

Direct to Consumer Brands

By: Sunil Gupta
Recent years have seen the dramatic rise of direct-to-consumer (DTC) brands by several startups. Many of these brands, such as Dollar Shave Club, Harry’s, Glossier, and Allbirds, entered mature markets dominated by established companies, and yet they grew rapidly to... View Details
Keywords: Direct-to-consumer; Digital Marketing; Industry Evolution; Business Startups; Internet and the Web; Brands and Branding; Marketing; Change
Citation
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Gupta, Sunil. "Direct to Consumer Brands." Harvard Business School Case 520-060, January 2020. (Revised May 2020.)
  • 2010
  • Working Paper

Manipulability in Matching Markets: Conflict and Coincidence of Interests

We study comparative statics of manipulations by women in the men-proposing deferred acceptance mechanism in the two-sided one-to-one marriage market. We prove that if a group of women employs truncation strategies or weakly successfully manipulates, then all other... View Details
Keywords: Conflict of Interests; Marketplace Matching; Two-Sided Platforms
Citation
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Ashlagi, Itai, and Flip Klijn. "Manipulability in Matching Markets: Conflict and Coincidence of Interests." Harvard Business School Working Paper, No. 10-111, June 2010.
  • August 2004
  • Article

A Function-Centered Model of Interest Assessment for Business Careers

By: Timothy Butler and James Waldroop
Keywords: Personal Development and Career; Interests; Surveys
Citation
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Butler, Timothy, and James Waldroop. "A Function-Centered Model of Interest Assessment for Business Careers." Journal of Career Assessment 12, no. 3 (August 2004): 270–284.
  • December 2022
  • Article

Conflicting Interests and the Effect of Fiduciary Duty: Evidence from Variable Annuities

By: Mark Egan, Shan Ge and Johnny Tang
We examine the variable annuity market to study conflicts of interest and the effect of fiduciary duty in brokerage markets. Insurers typically pay brokers higher commissions for selling more expensive annuities. Our results indicate that sales are four times as... View Details
Keywords: Variable Annuity; Brokers; Fiduciary Duty; Finance; Investment; Insurance; Conflict of Interests; Financial Services Industry; Insurance Industry; United States
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Egan, Mark, Shan Ge, and Johnny Tang. "Conflicting Interests and the Effect of Fiduciary Duty: Evidence from Variable Annuities." Review of Financial Studies 35, no. 12 (December 2022): 5334–5386.
  • Research Summary

Relative Thinking and Consumer Choice

By: Joshua R. Schwartzstein

Fixed differences appear smaller when compared to large differences. Professor Schwartzstein has proposed a model of relative thinking, in which a person weighs a given change by less when he compares it to a larger range. Relative thinking implies that a person is... View Details

  • August 1995 (Revised January 1997)
  • Exercise

Consumer Behavior Exercise (E)

By: John A. Deighton and Susan M. Fournier
Students are instructed to interview a recent purchaser of a high-involvement product or service in depth about his/her ownership and usage experiences. The exercise provides students with first-hand understanding of important concepts in consumption domain (e.g.,... View Details
Keywords: Consumer Behavior
Citation
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Deighton, John A., and Susan M. Fournier. "Consumer Behavior Exercise (E)." Harvard Business School Exercise 596-043, August 1995. (Revised January 1997.)
  • Article

Consumer Promotions and the Acceleration of Product Purchases

By: Scott A. Neslin, Caroline Henderson and John A. Quelch
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Neslin, Scott A., Caroline Henderson, and John A. Quelch. "Consumer Promotions and the Acceleration of Product Purchases." Marketing Science 4, no. 2 (Spring 1985): 147–165.
  • 1984
  • Chapter

Consumer Promotions and the Acceleration of Product Purchases

By: Scott A. Neslin, Caroline Henderson and John A. Quelch
Citation
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Neslin, Scott A., Caroline Henderson, and John A. Quelch. "Consumer Promotions and the Acceleration of Product Purchases." In Research on Sales Promotion: Collected Papers. no. 84-104, edited by Katherine E. Jocz, 22–46. Marketing Science Institute Report. Cambridge, MA: Marketing Science Institute, 1984.
  • 1998
  • Article

Consumer Acceptance of Interactive News in the Netherlands

By: Anita Elberse
Keywords: News; Customers; Netherlands
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Elberse, Anita. "Consumer Acceptance of Interactive News in the Netherlands." Harvard International Journal of Press/Politics 3, no. 4 (1998): 62–83.
  • July 2002
  • Article

Let's Put Consumers in Charge of Health Care

By: Regina E. Herzlinger
Citation
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Herzlinger, Regina E. "Let's Put Consumers in Charge of Health Care." Harvard Business Review 80, no. 7 (July 2002).
  • April 1999 (Revised September 1999)
  • Case

Compaq Computer: Consumer Notebook Group

By: David E. Bell and Ann Leamon
Presents the background for a video of a focus group on Compaq Computer's new consumer notebook. Engineers, manufacturers, and retailers had collaborated on the product design, which has been approved by the executive committee. A launch is scheduled for nine months... View Details
Keywords: Human Resources; Product Launch; Product Design; Outcome or Result; Social and Collaborative Networks; Corporate Strategy; Computer Industry
Citation
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Bell, David E., and Ann Leamon. "Compaq Computer: Consumer Notebook Group." Harvard Business School Case 599-053, April 1999. (Revised September 1999.)
  • April 2024
  • Case

Managing AI Risks in Consumer Banking

By: Suraj Srinivasan, Satish Tadikonda, Paul Dongha, Manoj Saxena and Radhika Kak
In early 2024, Ruth Jones, head of digital banking at Signa Bank, a (fictitious) European consumer bank, was thinking about how to best incorporate GenAI capabilities to improve efficiencies and create new ways to improve the customer experience. Where were the biggest... View Details
Keywords: Customer Relationship Management; AI and Machine Learning; Risk Management; Opportunities; Customization and Personalization; Banking Industry; Europe
Citation
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Srinivasan, Suraj, Satish Tadikonda, Paul Dongha, Manoj Saxena, and Radhika Kak. "Managing AI Risks in Consumer Banking." Harvard Business School Case 124-093, April 2024.
  • November 1996 (Revised October 1998)
  • Case

Reynolds Metals Company: Consumer Products Division

Reynolds Consumer Products Division must decide whether to discontinue its program of case allowances in favor of discretionary trade dollars targeted for market development. View Details
Keywords: Marketing Channels; Consumer Products Industry
Citation
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Chun, Samuel S. "Reynolds Metals Company: Consumer Products Division." Harvard Business School Case 597-045, November 1996. (Revised October 1998.)
  • 13 Jan 2003
  • Research & Ideas

The Subconscious Mind of the Consumer (And How To Reach It)

Harvard Business School professor Gerald Zaltman's latest book, How Customers Think: Essential Insights into the Mind of the Market, delves into the subconscious mind of the consumer—the place where most... View Details
Keywords: by Manda Mahoney
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