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  • 2021
  • Working Paper

Friends and Family Money: P2P Transfers and Financially Fragile Consumers

By: Tetyana Balyuk and Emily Williams
We assess the impact that real time money transfer technology has on consumer outcomes, particularly during periods of financial fragility. We do this by developing a new data set that documents use of Zelle—the most widely used P2P money transfer technology in the... View Details
Keywords: P2P Money Transfers; Real Time Payments; Fintech; Finance; Information Technology; Personal Finance; Financial Condition
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  • 2022
  • Working Paper

Social Protection and Social Distancing During the Pandemic: Mobile Money Transfers in Ghana

By: Dean Karlan, Matt Lowe, Robert Osei, Isaac Osei-Akoto, Benjamin N. Roth and Christopher Udry
We study the impact of mobile money transfers to a representative sample of low-income Ghanaians during the COVID-19 pandemic. The announcement of the upcoming transfers affects neither consumption, well-being, nor social distancing. Once disbursed,... View Details
Keywords: Social Distancing; Social Welfare; Economic Relief; Health Pandemics; Poverty
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  • March 2016
  • Case

M-Pesa: Financial Inclusion in Kenya

By: Rajiv Lal, Lisa Cox and Sarah McAra
M-Pesa, a mobile money transfer service launched in 2007 in Kenya by telecommunications company Safaricom, allowed people to send money via mobile messaging to contacts, such as friends and family, or even to pay for goods and services, such as groceries or a taxi... View Details
Keywords: Mobile Money Transfer; Market Transactions; Emerging Markets; Developing Countries and Economies; Mobile and Wireless Technology; Telecommunications Industry; Kenya
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  • 2015
  • Working Paper

Service Quality, Inventory and Competition: An Empirical Analysis of Mobile Money Agents in Africa

By: Karthik Balasubramanian and David F. Drake
The use of electronic money transfer through cellular networks ("mobile money") is rapidly increasing in the developing world. The resulting electronic currency ecosystem could improve the lives of the estimated 2 billion people who live on less than $2 a day by... View Details
Keywords: Operations Strategy; Base Of The Pyramid; Mobile Money; Inventory Management; Competition; Currency; Service Operations; Mobile and Wireless Technology
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  • Article

Reputation When Threats and Transfers Are Available

By: Ernesto Dal Bo, Pedro Dal Bo and Rafael Di Tella
We present a model where a long-run player is allowed to use both money transfers and threats to influence the decisions of a sequence of short-run players. We show that threats might be used credibly (even in arbitrarily short repeated games) by a long-lived player... View Details
Keywords: Crime and Corruption; Decision Choices and Conditions; Game Theory; Mathematical Methods; Interests; Power and Influence; Reputation
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  • June 2005
  • Article

Compensatory Transfers in Two-Player Decision Problems

By: Jerry R. Green
This paper presents an axiomatic characterization of a family of solutions to two-player quasi-linear social choice problems. In these problems the players select a single action from a set available to them. They may also transfer money between... View Details
Keywords: Bargaining; Cost Allocation; Decision Making
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  • 22 Jan 2007
  • Research & Ideas

The Immigrant Technologist: Studying Technology Transfer with China

relates to what you observed in China. A: My research focuses on technology transfer through ethnic scientific and entrepreneurial networks. Traditional models of technology diffusion suggest that if you have a great idea, people who are... View Details
Keywords: Re: William R. Kerr; Technology; Computer
  • August 2024
  • Case

Circle: Reinventing the Future of Money

By: Shikhar Ghosh and Shweta Bagai
In early 2024, Circle Internet Financial's leadership team gathered to discuss the company's strategic path as it prepared for an IPO. Founded in 2013 by Jeremy Allaire, Circle had emerged as a pioneer in digital finance through its USD Coin (USDC), a regulated... View Details
Keywords: Currency; Governance Compliance; Initial Public Offering; Competition; Financial Services Industry
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  • 2017
  • Working Paper

Inventory Management for Mobile Money Agents in the Developing World

By: Karthik Balasubramanian, David F. Drake and Douglas Fearing
Mobile money systems, platforms built and managed by mobile network operators to allow money to be stored as digital currency, have burgeoned in the developing world as a mechanism to transfer money electronically. Mobile money agents exchange cash for electronic value... View Details
Keywords: Currency; Mobile Technology; Market Platforms; Developing Countries and Economies
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  • 02 Feb 2015
  • Working Paper Summaries

Mobile Money: The Effect of Service Quality and Competition on Demand

Keywords: by Karthik Balasubramanian & David F. Drake; Banking
  • 16 Apr 2007
  • Research & Ideas

Delivering the Digital Goods: iTunes vs. Peer-to-Peer

sells music titles for 99 cents each, compete with free music downloads on peer-to-peer networks? Do the two approaches to distributing digital content complement each other? What can the music industry, which aggressively fights p2p... View Details
Keywords: by Sean Silverthorne; Music
  • 27 Jan 2015
  • First Look

First Look: January 27

The Effect of Service Quality and Competition on Demand By: Balasubramanian, Karthik, and David F. Drake Abstract—The use of electronic money transfer through cellular networks ("mobile money") is... View Details
Keywords: Sean Silverthorne
  • Research Summary

Housing Markets with Contingencies

We model a real-estate market with three types of agents: regular buyers and sellers, and homeowners, who are agents who want to sell their current home only if they can buy another one. On the one hand, our model is a counterpart of the Abdulkadiroglu and Sonmez... View Details
  • January 2023 (Revised August 2023)
  • Case

Nick Saban: Embracing 'The Process' of Sustaining Success

By: Ranjay Gulati and Eppa Rixey
Nick Saban, head coach of the University of Alabama football team from 2007-2022, fielded teams that won 183 of 208 games (88%), including a record-tying six national championships. Saban’s approach to coaching, known to many as “The Process,” and the consistent... View Details
Keywords: Purpose; Leadership And Managing People; Football; Recruiting; Talent Acquisition; Talent And Talent Management; Talent Development And Retention; Organization Change And Adaptation; Organizational Behavior; Sports; Leadership; Leadership Development; Organizational Culture; Organizational Change and Adaptation; Sports Industry; United States
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  • 27 Jun 2017
  • First Look

First Look at New Research and Ideas, June 27

Karthik, David F. Drake, and Douglas Fearing Abstract—Mobile money systems, platforms built and managed by mobile network operators to allow money to be stored as digital currency, have burgeoned in the... View Details
Keywords: Sean Silverthorne
  • 22 Feb 2000
  • Research & Ideas

Social Capital Markets: Creating Value in the Nonprofit World

The Harvard Business School Initiative on Social Enterprise is embarking on a new intellectual endeavor to understand a fast-changing and fertilearena — the Social Capital Markets. For years, money given to nonprofits has been thought of... View Details
Keywords: by Anne Kavanagh
  • July 2009
  • Article

How Is Foreign Aid Spent? Evidence from a Natural Experiment

By: Eric D. Werker, Faisal Z. Ahmed and Charles Cohen
We use oil price fluctuations to test the impact of transfers from wealthy OPEC nations to their poorer Muslim allies. The instrument identifies plausibly exogenous variation in foreign aid. We investigate how aid is spent by tracking its short-run effect on aggregate... View Details
Keywords: Foreign Aid; Money
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  • 17 Jul 2018
  • First Look

New Research and Ideas, July 17, 2018

Political Economy Costly Concessions: An Empirical Framework for Matching with Imperfectly Transferable Utility By: Galichon, Alfred, Scott Duke Kominers, and Simon Weber Abstract—We introduce an empirical framework for models of matching... View Details
Keywords: Dina Gerdeman
  • 15 May 2018
  • First Look

New Research and Ideas, May 15, 2018

markets and ecosystems through their ability to transfer a package of financial, organizational, and cultural assets, skills, and ideologies across national borders. It argues such firms have been shapers of, as well as responders to,... View Details
Keywords: Dina Gerdeman
  • 25 Aug 2015
  • First Look

First Look Tuesday

monetary effect of athletic success to many academic institutions in the United States. Publisher's link: https://www.hbs.edu/faculty/Pages/item.aspx?num=49494 Forthcoming IMF Economic Review An Evaluation of Money Market Fund Reform... View Details

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