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- All HBS Web (166)
- Faculty Publications (51)
- 20 Mar 2018
- First Look
First Look at New Research and Ideas, March 20, 2018
dimensions. Consistently, banks that serve customer bases with more dispersed needs receive lower satisfaction scores than banks serving customer bases with less dispersed needs. Finally, a longitudinal...
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Sean Silverthorne
- 01 Apr 1998
- News
Microfinance's Big Payoff: Michael Chu and ACCION International
was so successful we had to establish it as a regular commercial bank to accommodate its growth. Today, BancoSol leads the Bolivian banking system in profitability and makes 40 percent of the system's loans;...
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- 21 Jul 2010
- Research & Ideas
HBS Faculty Debate Financial Reform Legislation
such as certificates of deposit and consumer loans, but it will not be allowed to inspect most banks, since they are already examined by the banking agencies. At the same time, the CFPC's jurisdiction was...
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by Staff
- 30 Nov 2016
- Op-Ed
Where Could More Regulation Help Small Businesses? Online Lending.
Our regulatory system has also been an unnecessary albatross on the growth of fintech players and on banks who try to partner with them. No single federal regulator has authority to oversee business lending. Instead, there is a spaghetti...
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- 01 Jun 2010
- News
$how Me the Money
magazine added that “the U.S. just might be the world’s biggest washing machine for dirty money.” Baker concurs, noting that the U.S. Treasury Department asserts that virtually 100 percent of dirty money presented for deposit in the...
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- 01 Jun 2002
- News
Latin American Conference Highlights Region's Diversity
discussed the Argentine crisis that began late last year. A professor at Harvard's Kennedy School of Government, Hausmann described the economic factors leading to the fiscal collapse and suggested policy implications for the future. Argentineans need to be given...
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- 01 Dec 2014
- News
Case Study: Growing the Family Business
pricing model, you can try a tiered pricing structure. Option 1: Refundable deposit paid up front plus a loyalty discount. Option 2: Equity participation (noncontrolling stake) plus volume discounts. Option 3: Combination of 1 and 2 plus...
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- 01 Mar 2010
- News
Sole Mates
truly multinational countries in Europe, where all religions and ethnicities can feel they belong. Macedonians can now travel visa free to all of Europe except for the UK and Ireland. People study English starting in primary school, so it is widely spoken here. We are...
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- 23 Jan 2018
- First Look
First Look at New Research and Ideas, January 23, 2018
transformation strategies that can be executed in the capital market. Over the period 1960–2016, we find that (1) unlevered bank assets underperform passive portfolios of maturity-matched U.S. Treasury bonds; (2) the cost of View Details
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Sean Silverthorne
- 01 Dec 2008
- News
No Easy Fix for the Financial Crisis
twenty years of experience at J.P. Morgan & Company, where he headed global investment banking and global equities. The regulatory structure did not keep pace with two decades of deregulation and product innovation on Wall Street, Rose...
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- 19 Aug 2021
- News
A Letter to My White Friends and Colleagues
am asking whites to make deposits up to $250,000 in Black-owned banks. At that level, it is completely insured by the federal government, so there's no risk. The reason is because Black-owned banks send...
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- Web
Bibliography - Option Pricing in Theory & Practice: The Nobel Prize Research of Robert C. Merton - Exhibits - Historical Collections
the Cost of Deposit Insurance and Loan Guarantees: An Application of Modern Option Pricing Theory." Journal of Banking and Finance 1, no. 1 (June 1977): 3-11.** Merton, Robert C. " Applications of...
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- 03 Mar 2008
- First Look
First Look: March 4, 2008
charters that were slated to expire over the next four years. On the table was a completely untested proposal to create a mandatory public insurance fund that would back the banknotes and deposits of every state bank. As View Details
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Martha Lagace
- 12 Jan 2015
- News
Good Investments
inside the booth owned by tech startup Barared to do everything from place phone calls to pay bills, deposit money, and buy minutes for their mobile phones. It’s a convenience for her customers, Reyes says: Chimalhuacán has only two View Details
- 25 Aug 2022
- News
The Exchange: The Road Ahead for Crypto
euros, so people buy into the coin and cash out of it in more or less the same way as you would with deposits at a bank. Wang: And the reason this is desirable is presumably that it’s a superior system for transparency and trust....
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- 03 May 2011
- First Look
First Look: May 3
leadership, SBI had been losing market share for over two decades to private and foreign banks. Analysts and industry observers had predicted that at the prevailing growth rates ICICI Bank, a private bank launched in 1994, would overtake...
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Sean Silverthorne
- 02 Sep 2002
- Research & Ideas
The Role of Government When All Else Fails
varied so widely. A policy aimed at strengthening the banking system, for example, might seem to have little in common with a policy designed to compensate the victims of involuntary unemployment. But the truth is that public View Details
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by Laura Linard
- 13 Feb 2013
- Research & Ideas
5 Weight Loss Tips From Behavioral Economists
double-or-nothing on a diet bet. A group of obese hospital patients agreed to a "deposit contract," banking a small amount of their own money into a pot each day during a 32-week weight-loss trial. The research team agreed to match the...
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by Carmen Nobel
- 22 Jul 2014
- First Look
First Look: July 22
traditional commercial banks in the context of their coexistence with shadow banks. While both types of intermediaries create safe "money-like" claims, they go about this in different ways. Traditional View Details
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Sean Silverthorne
- 25 Aug 2015
- News
Sunset in the East?
mortgage or with very little debt. Unlike in the United States, banks are also less on the line in real estate. We should always keep in mind that the Chinese property market was stagnant or worse (nonexistent) for 30 years after the...
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