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Show Results For
-
All HBS Web
(559)
- People (2)
- News (111)
- Research (327)
- Events (1)
- Multimedia (1)
- Faculty Publications (101)
- 30 Jan 2018
- Working Paper Summaries
Credit Supply Shocks, Network Effects, and the Real Economy
- April 2011
- Teaching Note
Santander Consumer Finance (TN)
Teaching Note for 711015.
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- 29 Aug 2023
- News
Helping Consumers Decarbonize their Purchases
This episode of Climate Rising features a conversation between Professor and host Mike Toffel and Sanchali Pal (MBA 2018), founder and CEO of Commons, an app designed to help consumers make more climate-friendly purchasing decisions by...
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- 03 Dec 2008
- What Do You Think?
Can Housing and Credit be “Nudged” Back to Health?
smaller." John Homan suggested, "... that the Federal Government give a 10 percent tax credit to the purchaser of a house and the purchaser pay it back ... over 20 years in equal installments with no interest." Education in...
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by Jim Heskett
- 01 Sep 2009
- News
Consumer Finance Makes HBS Debut
in other areas. But we didn’t have a course that would help students understand consumers and the financial service firms that serve them, including traditional banks, insurance companies, credit card...
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Running a Consumer Fintech Startup within Goldman Sachs
Marcus by Goldman Sachs marked a dramatic shift for the 150-year-old financial institution, which historically had served only businesses and the wealthiest people. The fintech startup operated within Goldman Sachs, offering unsecured personal loans for the mass... View Details
- 2016
- Report
How Do People Pay Rent?
By: David Hao Zhang
Households still pay rent primarily with paper methods, even though electronic methods are featured more prominently among high-income, high-education, and high-rent households. These patterns may be explained either by the lack of landlord acceptance of electronic...
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Keywords:
Consumer Payments;
Rent Payments;
Money Order;
Credit Card;
Checks;
Credit Cards;
Online Technology;
Consumer Behavior;
Cash;
Leasing
Zhang, David Hao. "How Do People Pay Rent?" Federal Reserve Bank of Boston, Research Data Report, No. 16-2, Federal Reserve Bank of Boston, Boston, MA, 2016.
- 16 Jan 2015
- News
Price Protection Report: Credit Cards Shielding You From Price Drops
- 24 Nov 2020
- Working Paper Summaries
Accounting for Product Impact in the Consumer Finance Industry
- April 2024
- Article
Pay-As-You-Go Insurance: Experimental Evidence on Consumer Demand and Behavior
By: Raymond Kluender
Pay-as-you-go contracts reduce minimum purchase requirements which may increase market participation. We randomize the introduction and price(s) of a novel pay-as-you-go contract to the California auto insurance market where 17 percent of drivers are uninsured. The...
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Kluender, Raymond. "Pay-As-You-Go Insurance: Experimental Evidence on Consumer Demand and Behavior." Review of Financial Studies 37, no. 4 (April 2024): 1118–1148.
- 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...
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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.
- Web
Buy Now, Pay Later: A History of Personal Credit
HBS Quick Links MBA Executive Education Doctoral Programs Faculty and Research Alumni HBS Publishing Site Index HBS Home Contact Us Map/Directions Introduction Credit in Pre-Industrial Society Credit and the...
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- 26 Jan 2021
- Research & Ideas
A New Way to Cut Credit Card Debt: Pay Off One Purchase at a Time
A novel approach to repaying debt could help consumers free themselves from crushing credit card balances faster, according to new research. Rather than asking borrowers to make payments toward their total...
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- 22 May 2019
- Research & Ideas
Forgiving Student Loan Debt Leads to Better Jobs, Stronger Consumers
largest consumer debt in the US, trailing only mortgage loans—and surpassing car loans, credit card debt, and home equity lines of credit. Source: New York Fed Consumer View Details
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by Dina Gerdeman
- June 29, 2022
- Other Article
Strategic Complexity? Using Experiments to Understand and Overcome Obfuscation
By: Michael Luca, Ginger Zhe Jin and Daniel Martin
Credit card companies must decide what product features to disclose to consumers, such as payment schedules, penalties, and fees--and also whether to present them clearly or bury them in the fine print. Firms face similar choices in settings ranging from privacy...
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Keywords:
Obfuscation;
Credit Cards;
Strategic Incentives;
Complexity;
Agreements and Arrangements;
Customers;
Consumer Behavior;
Financial Services Industry
Luca, Michael, Ginger Zhe Jin, and Daniel Martin. "Strategic Complexity? Using Experiments to Understand and Overcome Obfuscation." Management Science Review (June 29, 2022). (Summary of "Complex Disclosure," Management Science, May 2022.)
- 21 Jul 2014
- Research & Ideas
Is a Gap in Small-Business Credit Holding Back the American Economy?
financial reform legislation, the gap in small business credit data was recognized and a specific provision was included to allow for more credible monitoring for small business access to bank credit. Section 1071 of the Dodd-Frank Act...
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- 10 Jan 2024
- Research & Ideas
Technology and COVID Upended Tipping Norms. Will Consumers Keep Paying?
If you’ve recently ordered food or coffee on an app, you’re probably familiar with the prompt to tip your barista, delivery driver, or sandwich maker. Or even more commonly, when ordering at a casual dining counter, you’ve been asked to leave a tip on the screen used...
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by Anna Lamb, Harvard Gazette
- August 2014 (Revised March 2015)
- Case
Pivots and Incentives at LevelUp
By: Benjamin Edelman and Karen Webster
LevelUp's mobile payments service lets users scan a smartphone barcode rather than swipe a credit card. Will consumers embrace the service? Will merchants? LevelUp considers adjustments to make the service attractive to both consumers and merchants, while trying to...
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Keywords:
Mobile Payments;
Smartphone;
Credit Cards;
Interchange Fee;
Mobile Marketing;
Product Positioning;
Competitive Strategy;
Mobile Technology;
Technology Networks;
Food and Beverage Industry;
Banking Industry;
United States
Edelman, Benjamin, and Karen Webster. "Pivots and Incentives at LevelUp." Harvard Business School Case 915-001, August 2014. (Revised March 2015.) (request courtesy copy.)
- 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...
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by James Heskett
- 23 Mar 2015
- Research & Ideas
It’s Called ‘Price Coherence,’ and It’s Surprisingly Bad for Consumers
restaurant versus on Grubhub.com, or paying cash versus using a credit card. In many cases, consumers pay the same price for a given product or service, whether buying it directly from its source or through...
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