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- All HBS Web (586)
- Faculty Publications (178)
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- 17 Aug 2023
- Research & Ideas
‘Not a Bunch of Weirdos’: Why Mainstream Investors Buy Crypto
liabilities, and partly by investing it into both traditional assets and crypto.” Di Maggio found that was only partially true. His analysis of transactions from the database found that consumers invested $5.09 in crypto and $8.23 in... View Details
Keywords: by Ben Rand
- 2021
- Working Paper
Closing Costs, Refinancing, and Inefficiencies in the Mortgage Market
By: David Hao Zhang
In the US, borrowers often finance the price of mortgage origination by agreeing to higher mortgage rates for a given principal amount. I show that for standard fixed-rate, prepayable mortgages this contractual feature has two consequences. First, it leads to increased... View Details
- September 2018
- Article
Religious Shoppers Spend Less Money
By: Didem Kurt, J. Jeffrey Inman and Francesca Gino
Although religion is a central aspect of life for many people across the globe, there is scant research on how religion affects people’s non-religious routines. In the present research, we identify a frequent consumption activity that is influenced by religiosity:... View Details
Kurt, Didem, J. Jeffrey Inman, and Francesca Gino. "Religious Shoppers Spend Less Money." Journal of Experimental Social Psychology 78 (September 2018): 116–124.
- March 17, 2021
- Other Article
Beyond Pajamas: Sizing Up the Pandemic Shopper
By: Ayelet Israeli, Eva Ascarza and Laura Castrillo
A first look at how the COVID-19 pandemic impacted e-commerce apparel shopping in the US and the UK. Extensive analysis and interactive graphics utilizing millions of transactions.
While the pandemic is still playing out, our preliminary investigations... View Details
While the pandemic is still playing out, our preliminary investigations... View Details
Keywords: Retail; Retail Analytics; Consumer; Pandemic; COVID; COVID-19; Apparel; Ecommerce; Online Shopping; Online Apparel; Online Sales; Returns; CRM; Customer Retention; Customer Experience; Customer Value; Digital; Customer Focus and Relationships; Customers; Health Pandemics; Consumer Behavior; Customer Relationship Management; Internet and the Web; Behavior; E-commerce; Retail Industry; Apparel and Accessories Industry; Technology Industry; United States; United Kingdom
Israeli, Ayelet, Eva Ascarza, and Laura Castrillo. "Beyond Pajamas: Sizing Up the Pandemic Shopper." Harvard Business School Working Knowledge (March 17, 2021).
- 08 Apr 2010
- Working Paper Summaries
Multinational Strategies and Developing Countries in Historical Perspective
Keywords: by Geoffrey Jones
- January 2024 (Revised June 2025)
- Exercise
Travelogo: Understanding Customer Journeys
By: Eva Ascarza, Nicolas Padilla and Oded Netzer
In late May 2023, Sarah Merino, the newly appointed manager of the Customer Insights group at Travelogo—an online travel booking platform—initiates a comprehensive analysis of clickstream data to understand the varied behaviors and needs of their users. In preparation... View Details
Keywords: Customer Relationship Management; Analysis; Analytics and Data Science; Marketing Strategy; Segmentation; Consumer Behavior; Travel Industry; United States
Ascarza, Eva, Nicolas Padilla, and Oded Netzer. "Travelogo: Understanding Customer Journeys." Harvard Business School Exercise 524-044, January 2024. (Revised June 2025.)
- September 2021 (Revised December 2021)
- Case
Telepass: From Tolling to Mobility Platform
By: Chiara Farronato, Stefano Denicolai and Sarah Mehta
Telepass, until very recently the sole processor of electronic toll payments on Italy’s highways, has ambitions beyond tolling. Since the mid-2010s, the company has been expanding into adjacent services. In 2017, Telepass launched TelepassPay—a mobile payment... View Details
Keywords: Mobile Payment; App; Mobility Services; Analysis; Change; Change Management; Transformation; Transition; Innovation and Invention; Strategy; Information Technology; Mobile and Wireless Technology; Transportation; Transportation Networks; Value; Value Creation; Consumer Behavior; Technology Industry; Transportation Industry; Insurance Industry; Europe; Italy; Milan
Farronato, Chiara, Stefano Denicolai, and Sarah Mehta. "Telepass: From Tolling to Mobility Platform." Harvard Business School Case 622-011, September 2021. (Revised December 2021.)
- 20 Feb 2008
- First Look
First Look: February 20, 2008
implicitly follow these two stages. We have categorized these approaches into a 3x3 matrix, which suggests three different approaches for stage-one demand estimation (decision calculus, experiments and econometric methods), and three... View Details
Keywords: Martha Lagace
- 2011
- Working Paper
Do Not Trash the Incentive! Monetary Incentives and Waste Sorting
By: Alessandro Bucciol, Natalia Montinari and Marco Piovesan
This paper examines whether monetary incentives are an effective tool for increasing domestic waste sorting. We exploit the exogenous variation in the pricing systems experienced during the 1999-2008 decade by the 95 municipalities in the district of Treviso (Italy).... View Details
Keywords: Household; Cost Management; Consumer Behavior; Wastes and Waste Processing; Motivation and Incentives; Public Administration Industry; Italy
Bucciol, Alessandro, Natalia Montinari, and Marco Piovesan. "Do Not Trash the Incentive! Monetary Incentives and Waste Sorting." Harvard Business School Working Paper, No. 11-093, March 2011.
- 01 Apr 2008
- First Look
First Look: April 1, 2008
found that when a star switched companies, not only did his performance plunge, so did the effectiveness of the group he joined and the market value of his new company. But further analysis of the data reveals that it's not that simple.... View Details
Keywords: Martha Lagace
- March – April 2010
- Article
The Need for Ideological Consciousness
By: George C. Lodge
Every so often in American history a crisis comes along that requires Americans to inspect cherished assumptions and to act in a way that many find ideologically repulsive. Although our leaders insist that such actions are pragmatic-the only sensible way to deal with... View Details
Keywords: History; Leadership; Competition; Framework; Consumer Behavior; Business and Community Relations; Government and Politics; Financial Crisis; Planning; United States
Lodge, George C. "The Need for Ideological Consciousness." Challenge 53, no. 2 (March–April 2010): 76–89.
- 29 Jul 2008
- First Look
First Look: July 29, 2008
Working PapersTraveling Agents: Political Change and Bureaucratic Turnover in India Authors:Lakshmi Iyer and Anandi Mani Abstract We develop a framework to examine how politicians with short-term electoral pressures control bureaucrats with long-term career concerns.... View Details
Keywords: Martha Lagace
- September–October 2017
- Article
The Surprising Power of Online Experiments: Getting the Most Out of A/B and Other Controlled Tests
By: Ron Kohavi and Stefan Thomke
In the fast-moving digital world, even experts have a hard time assessing new ideas. Case in point: At Bing, a small headline change an employee proposed was deemed a low priority and shelved for months until one engineer decided to do a quick online controlled... View Details
Kohavi, Ron, and Stefan Thomke. "The Surprising Power of Online Experiments: Getting the Most Out of A/B and Other Controlled Tests." Harvard Business Review 95, no. 5 (September–October 2017): 74–82.
- 09 Mar 2010
- First Look
First Look: March 9
run as a public utility. The Panamanian government, in contrast, has run the Canal as a for-profit corporation, increasing safety and decreasing costs along the way. Maurer and Yu's nuanced analysis of the contribution of the United... View Details
Keywords: Martha Lagace
- 21 Apr 2023
- Research & Ideas
The $15 Billion Question: Have Loot Boxes Turned Video Gaming into Gambling?
a window into what data-driven regulation of digital platforms should look like in the future—deeply grounded both in the analysis of consumers behavior on the platform and complementing existing regulatory standards. “What’s fascinating... View Details
- 18 Oct 2011
- First Look
First Look: October 18
giving a subsidy as a lump sum to offset capital costs is more effective. This has different regulatory implications for urban and rural settings where the environmental objectives may differ. Bouncing Out of the Banking System: An Empirical View Details
Keywords: Sean Silverthorne
- Teaching Interest
Decision Making Under Uncertainty
By: David E. Bell
Many of the decisions we face are made complicated by having uncertain consequences: how should I set my inventory when I don’t know what demand will be, should I refinance my mortgage when rates might go lower, how big a bet shall I make in a new business, and so... View Details
- 29 Sep 2014
- Research & Ideas
Why Do Outlet Stores Exist?
have more data than they know what to do with." Do outlets cannibalize? One leading product manufacturer in the fashion apparel and accessories category agreed to provide Ngwe with consumer data in return for a detailed analysis of... View Details
- 2011
- Book
Moving Forward: The Future of Consumer Credit and Mortgage Finance
By: Nicolas P. Retsinas and Eric Belsky
The recent collapse of the mortgage market revealed fractures in the credit market that have deep roots in the system's structure, conduct, and regulation. The time has come for a clear-eyed assessment of what happened and how the system should be strengthened and... View Details
Keywords: Financial Crisis; Capital Markets; Credit; Financial Markets; Mortgages; Personal Finance; Governing Rules, Regulations, and Reforms; Demand and Consumers; Financial Services Industry
Retsinas, Nicolas P., and Eric Belsky, eds. Moving Forward: The Future of Consumer Credit and Mortgage Finance. Brookings Institution Press, 2011.
- 2024
- Working Paper
Moral Incoherence During Category Emergence: The Contentious Case of Connected Toys
By: Ryann Noe
Through a longitudinal study of the emergence of connected toys – physical toys that interact with
digital devices – I build theory about moral incoherence: when competing views about the moral
worth of a category persist over time. During the course of their... View Details
Keywords: Technological Innovation; Technology Adoption; Moral Sensibility; Market Entry and Exit; Consumer Behavior
Noe, Ryann. "Moral Incoherence During Category Emergence: The Contentious Case of Connected Toys." Harvard Business School Working Paper, No. 24-071, May 2024.