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  • 2020
  • Working Paper

In the Red: Overdrafts, Payday Lending and the Underbanked
By: Marco Di Maggio, Angela Ma and Emily Williams
The reordering of transactions from “high-to-low” is a controversial bank practice thought to maximize fees paid by low-income customers on overdrawn accounts. We exploit multiple class-action lawsuits resulting in mandatory changes to this practice, coupled with...  View Details
Keywords: Overdraft; Payday Loans; Excessive Fees; Underbanked; Underserved; Banks and Banking; Financing and Loans; Customers; Income; Business Processes
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  • September 2020 (Revised December 2021)
  • Case

Building India's 2.0: PayNearby
By: Lauren Cohen and Spencer C. N. Hagist
Headquartered in Mumbai, India, FinTech startup Nearby Technologies has seen its flagship brand, PayNearby, rapidly flourish across most of its target market within just four years. The unprecedented success of its payment app, which allows users to access banking...  View Details
Keywords: Fintech; Developing Markets; Payments; Financial Inclusion; Finance; Entrepreneurship; Emerging Markets; Competitive Strategy; Banking Industry; India
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  • November 2018 (Revised June 2022)
  • Teaching Note

AirFox (A): Embracing the Blockchain and an ICO
By: Jeffrey J. Bussgang and Nathaniel Schwalb
Teaching Note for HBS No. 818-097. In summer 2017, Victor Santos, CEO of AirFox, considered whether to pivot his startup towards a new product built with blockchain—a quickly growing technology at the time. AirFox was an early stage startup that sold...  View Details
Keywords: Blockchain; Cryptocurrency; Initial Coin Offering; ICO; Business Startups; Finance; Currency; Strategy; Decision Making; United States
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  • May 2018 (Revised January 2019)
  • Case

AirFox (A): Embracing the Blockchain and an ICO
By: Jeffrey J. Bussgang, Edward B. Berk and Nate Schwalb
In summer 2017, Victor Santos, CEO of AirFox, considered whether to pivot his startup towards a new product built with blockchain—a quickly growing technology at the time. AirFox was an early stage startup that sold Software-as-a-Service (SaaS) to small telecom...  View Details
Keywords: Blockchain; Cryptocurrency; Initial Coin Offering; ICO; Business Startups; Finance; Currency; Strategy; Decision Making; United States
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