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- 2010
- Working Paper
Banking Market Concentration and Consumer Credit Constraints: Evidence from the 1983 Survey of Consumer Finances
This paper uses data from the 1983 Survey of Consumer Finances to test the relationship between the banks' market power and households' self-reported levels of credit constraints. The 1983 Survey was the last to identify households' geographic location, making it... View Details
Keywords: Age Characteristics; Household Characteristics; Borrowing and Debt; Credit; Banks and Banking; Interest Rates; Geographic Location; Banking Industry
Bergstresser, Daniel B. "Banking Market Concentration and Consumer Credit Constraints: Evidence from the 1983 Survey of Consumer Finances." Harvard Business School Working Paper, No. 10-077, March 2010.
- 2010
- Working Paper
Who Selected Adjustable-Rate Mortgages? Evidence from the 1989-2007 Surveys of Consumer Finances
We find evidence that households selecting adjustable-rate mortgages (ARMs) during the recent decade were disproportionately those who were less suspicious or who may have had difficulty understanding complicated ARM features that became commonplace prior to the... View Details
Bergstresser, Daniel B., and John Beshears. "Who Selected Adjustable-Rate Mortgages? Evidence from the 1989-2007 Surveys of Consumer Finances." Harvard Business School Working Paper, No. 10-083, March 2010.
- Fast Answer
Consumer confidence
Where can I find information on consumer confidence and sentiment? Conference Board: From the "Economy, Strategy & Fiance page," select "Consumer Dynamics." Surveys... View Details
- September 20, 2004
- Comment
How Consumers Value Global Brands
By: Douglas Holt, John A. Quelch and Earl L. Taylor
In 2002, we carried out a two-stage research project in partnership with the market research company Research International/USA to find out how consumers in different countries value global brands. First, we conducted a qualitative study in forty-one countries to... View Details
Keywords: Global Brands; Brand Value; Multi-national Brands; Social Responsibility; Global Range; Multinational Firms and Management; Globalized Markets and Industries; Brands and Branding; Social Marketing; Corporate Social Responsibility and Impact
Holt, Douglas, John A. Quelch, and Earl L. Taylor. "How Consumers Value Global Brands." Harvard Business School Working Knowledge (September 20, 2004).
- 01 Jun 2017
- News
Surveying Students’ Summer Plans
be part of GE just as it’s relocating its headquarters to Boston.” Graham Fairbairn (MBA 2018) Hometown: Sydney, Australia Destination: General Mills, Minneapolis “I come from a consumer packaged goods background and have had the... View Details
Keywords: Julia Hanna
- 20 Sep 2004
- Research & Ideas
How Consumers Value Global Brands
that people associate with global brands. Then we surveyed 1,800 people in twelve nations to measure the relative importance of those dimensions when consumers buy products. A detailed analysis revealed that... View Details
- 28 Oct 2009
- Lessons from the Classroom
HBS Begins Teaching Consumer Finance
And consumer finance businesses are the touch points between the financial system and millions of consumers. Despite its size and importance, we had ignored this sector almost entirely in our curriculum. Q: Was HBS alone in not offering a... View Details
- September–October 2019
- Article
How Purchase Probability Scales Can Shed Light on Consumer Purchase Intentions
By: Rene Befurt and Alvin J. Silk
Market researchers generally, and survey experts specifically, study consumers to learn about their behavior: What are consumers’ opinions, attitudes, thoughts, and actions at the various stages of the buying process? Especially in litigation cases, these and other... View Details
Befurt, Rene, and Alvin J. Silk. "How Purchase Probability Scales Can Shed Light on Consumer Purchase Intentions." Landslide: Advancing Intellectual Property Law 12, no. 1 (September–October 2019): 51–54.
- 06 Dec 2022
- Research & Ideas
Latest Isn’t Always Greatest: Why Product Updates Capture Consumers
Because consumers gravitate to merchandise labeled as “updated,” even if the items are not necessarily improved, according to the results. "Once something says ‘revised’ on it, it makes you suspend critical judgment." “After showing... View Details
- 2008
- Working Paper
Consumer Demand for Prize-Linked Savings: A Preliminary Analysis
By: P. Tufano, Nick Maynard and Jan-Emmanuel De Neve
This paper reports on a small-scale survey of the potential American demand for prize-linked savings accounts, an account that awards prizes as part of the saving product's return. In October 2006, Centra Credit Union launched a prize-linked savings pilot. As part of... View Details
Keywords: Saving; Income; Consumer Behavior; Personal Finance; Investment Return; Banks and Banking; Clarksville
Tufano, P., Nick Maynard, and Jan-Emmanuel De Neve. "Consumer Demand for Prize-Linked Savings: A Preliminary Analysis." Harvard Business School Working Paper, No. 08-061, February 2008.
- 01 Sep 2009
- News
Consumer Finance Makes HBS Debut
our curriculum. Was HBS alone in not offering a consumer finance course? No. I surveyed the top twenty MBA programs in America and the top five in Europe. While some offer banking courses, and others offer... View Details
- Web
2018 Financial Risk and Regulation Survey - Behavioral Finance & Financial Stability
2018 Financial Risk and Regulation Survey 2018 Financial Risk and Regulation Survey 1. Survey Background In October of 2018, Harvard Business School hosted The Global Financial... View Details
- 2018
- Working Paper
Ethical Hedonism? How Consumers' Prosocial Behavior Varies Along the Utilitarian-Hedonic Product Spectrum: Evidence from a Survey Experiment
By: Kristin Sippl
The marketing literature classifies products along a spectrum from utilitarian (e.g. rice) to hedonic (e.g. cannabis), and additionally using terms such as “luxury” and “illicit.” Research in business ethics has proposed a counter-intuitive mismatch between ethics and... View Details
Sippl, Kristin. "Ethical Hedonism? How Consumers' Prosocial Behavior Varies Along the Utilitarian-Hedonic Product Spectrum: Evidence from a Survey Experiment." Working Paper, September 2018. (Work in Progress.)
- 07 Mar 2000
- Research & Ideas
Putting Health Care Consumers in the Driver’s Seat
employees, rapidly rising health-care costs, and the likely loss of existing protection against lawsuits for pain and suffering from medical events. She then disclosed the results of a 1999 KPMG survey of CEOs and View Details
- 07 Jan 2002
- What Do You Think?
Did Consumer Behavior Tracking Come of Age on September 11?
bit wider for the implementation of systems designed to enable our behaviors as consumers to be tracked even more fully? What do you think? Original Article In the past several years, significant fears have been expressed concerning the... View Details
Keywords: by James Heskett
- 07 Apr 2022
- Research & Ideas
Giving Back: Consumers Care More About How Companies Donate Than How Much
Companies donate billions of dollars every year, hoping their generosity will not only help important causes, but also attract socially conscious consumers to their brands. What companies might not realize is that people focus less on the... View Details
Keywords: by Pamela Reynolds
- October 2013
- Article
A Traffic Light Food Labeling Intervention Increases Consumer Awareness of Health and Healthy Choices at the Point-of-Purchase
By: Lillian Sonnenberg, Emily Gelsomin, Douglas E. Levy, Jason Riis, Susan Barraclough and Anne N. Thorndike
We surveyed customers in a hospital cafeteria in Boston, Massachusetts before and after implementation of traffic light food labeling to determine the effect of labels on customers' awareness and purchase of healthy foods. View Details
Sonnenberg, Lillian, Emily Gelsomin, Douglas E. Levy, Jason Riis, Susan Barraclough, and Anne N. Thorndike. "A Traffic Light Food Labeling Intervention Increases Consumer Awareness of Health and Healthy Choices at the Point-of-Purchase." Preventive Medicine 57, no. 4 (October 2013): 253–257.
- 06 May 2019
- Research & Ideas
Consumers Blame Business for Global Health Problems. Can Business Become the Solution?
Every public health crisis—whether it’s the availability of highly addictive opioids or junk food marketing to children—prompts consumers to question how far companies will go for profit. It’s not an unwarranted concern. After all, cigarette makers once used... View Details