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Show Results For
- All HBS Web
(614)
- People (2)
- News (116)
- Research (333)
- Events (1)
- Multimedia (1)
- Faculty Publications (108)
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- 2025
- Working Paper
Climate Risk and the U.S. Insurance Gap: Measurement, Drivers and Implications
By: Parinitha Sastry, Tess Scharlemann, Ishita Sen and Ana-Maria Tenekedjieva
In a world with rising risk, how much are U.S. households willing to pay for homeowners insurance, and what does their demand imply for the future of insurance markets? We provide the first estimates of household willingness to pay for homeowners insurance and the... View Details
Keywords: Climate Change; Risk and Uncertainty; Insurance; Personal Finance; Consumer Behavior; Mortgages
Sastry, Parinitha, Tess Scharlemann, Ishita Sen, and Ana-Maria Tenekedjieva. "The Limits of Insurance Demand and the Growing Protection Gap." Harvard Business School Working Paper, No. 25-054, February 2025.
- 01 Mar 2016
- First Look
March 1, 2016
sentiment proxies indicate that credit risk is aggressively priced, this tends to be followed by a subsequent widening of credit spreads, and the timing of this widening is, in turn, closely tied to the... View Details
Keywords: Sean Silverthorne
- 10 Nov 2009
- First Look
First Look: Nov. 10
"song-sales" equation estimated using the seemingly unrelated regression method, explicitly accounts for the interaction between sales for the bundle and its components. I find that revenues decrease significantly as digital downloading becomes more prevalent... View Details
Keywords: Martha Lagace
- 01 Jun 2015
- Research & Ideas
The Surprising Benefits of Oversharing
performed in the lab, Luca extrapolates the findings to apply to consumers (receivers), who want to know the true quality of a product, while sellers (senders) hide it from them. "Customers were not inferring the worst, and sellers... View Details
Keywords: by Michael Blanding
- 24 Feb 2009
- First Look
First Look: February 24, 2009
in the United States. Purchase this case: http://www.hbsp.harvard.edu/b01/en/common/item_detail.jhtml?id=709037 Consumer Payment Systems—United States Harvard Business School Case 909-006 In 2008, the U.S. View Details
Keywords: Martha Lagace
- 28 Oct 2014
- First Look
First Look: October 28
http://hbr.org/product/Whole-Foods--the-Path-to-/an/615019-PDF-ENG Harvard Business School Case 915-001 Pivots and Incentives at LevelUp LevelUp's mobile payments service lets users scan a smartphone barcode rather than swipe a credit... View Details
Keywords: Carmen Nobel
- 30 Jan 2020
- Research & Ideas
The Upside of Highlighting a Product's Downsides
Administration. “Those who choose the offering will engage with it more.” Equally important, the researchers found that in this context, identifying negatives prominently had an “insignificant effect” on customer acquisition rates. Trade-off transparency at a View Details
Keywords: by Danielle Kost
- 16 Apr 2007
- Research & Ideas
Delivering the Digital Goods: iTunes vs. Peer-to-Peer
the costs of running the service, infrastructure, encoding, dealing with credit card companies, et cetera. Apple's profit comes from the sale of iPods and related products. It is no secret that a large percentage of music files on iPods... View Details
- 01 Jun 2023
- HBS Case
A Nike Executive Hid His Criminal Past to Turn His Life Around. What If He Didn't Have To?
At age 32—feeling far removed from the violent street crimes that had consumed his teens and 20s—Larry Miller just knew he was nailing a job interview with a senior partner at Arthur Andersen. That is, until he came clean about his... View Details
- 27 Jun 2005
- Research & Ideas
Asian and American Leadership Styles: How Are They Unique?
achievement; but it's hard to credit that given the enormous inflation of top executive compensation packages in America in the last decade. Many American firms, especially most of the large ones, are more dependent on capital markets for... View Details
Keywords: by D. Quinn Mills
- 16 Jun 2020
- Research & Ideas
Your Customers Have Changed. Here's How to Engage Them Again.
perform better than firms who just connect with their customers physically. Recognize financial constraints. Many customers are facing financial hardship caused by layoffs, furloughs, and a reduction in their employment hours due to the COVID-deaccession. Firms should... View Details
- 25 Oct 2020
- Research & Ideas
The Dark Side of Fintech Borrowing
Consumers turning to fintech lenders are more likely to spend beyond their means, sink further into debt, and ultimately default more often than people with similar credit profiles borrowing from traditional... View Details
- 04 Apr 2023
- Book
Two Centuries of Business Leaders Who Took a Stand on Social Issues
While shareholders still reign supreme at many companies, a widespread shift toward more responsible business practices is driving more leaders to take a stand on social and environmental issues today, says Harvard Business School Professor Geoffrey Jones. Jones... View Details
- 03 Apr 2018
- First Look
New Research and Ideas, April 3, 2018
Reminders of Future Busyness Encourage Consumers to Buy Time By: Whillans, A.V., Elizabeth W. Dunn, and Michael I. Norton Abstract—Spending money on time-saving purchases improves happiness. Yet, people often fail to spend their money in... View Details
Keywords: Sean Silverthorne
- 16 Jul 2020
- Research & Ideas
Restaurant Revolution: How the Industry Is Fighting to Stay Alive
consumers in the dining area. On average, restaurants spend 30 percent of their revenue on labor. With increasing focus on fair wages and legislated wage increases, restaurants may easily exceed that average. Moreover, restaurants spend... View Details
- 01 Oct 2001
- Research & Ideas
How To Make Restructuring Work for Your Company
restructuring process be managed and the many barriers to restructuring overcome so that as much value is created as possible? 3. Marketing. How should the restructuring be explained and portrayed to investors so that value created inside the company is fully View Details
Keywords: by Stuart C. Gilson
- 31 Jan 2023
- Op-Ed
Can Insurance Technology Solve the Uninsured Driver Problem?
credit to purchase in bulk, which is the only option provided by traditional insurers. “The pay-as-you-go contract met a real consumer need and accelerated insurance coverage the most for drivers who had no... View Details
- 07 Jul 2021
- Book
Good News for Disgraced Companies: You Can Regain Trust
new book The Power of Trust: How Companies Build It, Lose It, Regain It, Sucher and her coauthor, HBS research associate Shalene Gupta, highlight those social media examples along with a global list of companies that have either successfully earned the trust of View Details
Keywords: by Lane Lambert
- 04 Oct 2011
- First Look
First Look: October 4
consumers to reduce their energy usage. OPOWER was co-founded in 2008 by two young Harvard graduates, Dan Yates and Alex Laskey, who were inspired by Robert Cialdini's behavioral science research showing that people's normative... View Details
Keywords: Sean Silverthorne
- 13 Aug 2012
- Research & Ideas
When Good Incentives Lead to Bad Decisions
application on a scale of 0 to 100. Loan approvals were not contingent on a minimum score. "This approach is common practice for consumer and small-enterprise loans for which the bank records internal ratings but does not use... View Details