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All HBS Web
(171)
- News (53)
- Research (92)
- Multimedia (3)
- Faculty Publications (65)
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- 09 Apr 2018
- Sharpening Your Skills
The Dark Side of Performance Bonuses
dark side of employee motivation programs: When Good Incentives Lead to Bad Decisions Leading up to the financial crisis, bank loan officers were often incentivized to approve sketchy applications. But researchers discovered the incentives did more than motivate View Details
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by Sean Silverthorne
- 21 Feb 2023
- Research & Ideas
Are Your Employees Passing Up Incentives? Try Promoting the Programs More
billions of dollars on wellness programs each year, underwriting gym memberships and offering other perks, yet analyses find only a third or so of employees at US companies take advantage of these programs. Over half of American workers...
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by Scott Van Voorhis
- 10 Oct 2011
- Research & Ideas
Retailing Revolution: Category Killers on the Brink
others made diapers a highly competitive, money-losing proposition. Why underwrite the loss? Eliminating diapers from a grocery's offerings would make their baby sections unappealing to parents with young children—an attractive clientele....
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- 03 Apr 2019
- Book
Fintech's Game-Changing Opportunities for Small Business
cash flow transparency lends to the underwriting and risk assessment process. The basic technology to create a connected dashboard exists today. Why, if it is what small businesses want, has it not been developed? Today, each data stream...
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- 19 Nov 2019
- Op-Ed
Gender Bias Complaints against Apple Card Signal a Dark Side to Fintech
bias in Goldman Sachs’s underwriting model. (Goldman developed and issued the card.) Adding fuel to the fire, Apple co-founder Steve Wozniak shared that the same thing had happened to him and his wife. Officials from the New York...
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- 04 Aug 2014
- Op-Ed
Why Small-Business Lending Is Not Recovering
hurting small-business lending. Banks have been raising their capital reserves to comply with new standards initiated by risk-averse bank examiners and other regulators post-crisis. They are also hoarding deposits, which undermines their ability to View Details
- 14 Mar 2007
- Op-Ed
Government’s Misguided Probe of Private Equity
jointly underwriting public corporate offerings. Nor is this unique to the United States. Britain's Financial Services Authority has announced that it is increasing its scrutiny of private-equity firms. Among the problems or risks...
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- 17 Jun 2016
- Op-Ed
Companies Need to Start Marketing Security to Customers
children. Volvo's latest goal is that no one should die in a Volvo car after 2020. Most firms just quietly test their products and services, receiving the blessing of Underwriters Laboratories, the Consumer Product Safety Commission, or...
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- 11 Oct 2022
- Research & Ideas
Shrinking the Racial Wealth Gap, One Mortgage at a Time
underwriting systems neither approve nor reject. Narrowing the default gap The research team found minority applicants were about 3 percentage points less likely to be approved than white applicants working with the same white loan...
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- 04 Mar 2009
- Op-Ed
Credit is Not the Bogey
afford the payments—indeed, to buyers who have no "rainy day" savings. Underwriting must once again deserve the name. Micro-print contracts must be transparent and protect the consumer. Lenders must take responsibility not just...
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- 19 May 2003
- Research & Ideas
Expensing Options Won’t Hurt High Tech
companies' market prices. More seriously, however, the claim simply ignores the fact that a lack of cash need not be a barrier to compensating executives. Rather than issuing options directly to employees, companies can always issue them to View Details
- 24 Jul 2018
- Op-Ed
4 Ways Managers Can Exercise Their 'Agency' to Change the World
General Motors was moving toward its vision of zero emissions and zero accidents by investing in electrified, shared, and autonomous vehicles. And while Wells Fargo was creating fraudulent accounts, Bank of America Merrill Lynch became a leader in View Details
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by George Serafeim
- 22 Apr 2015
- Op-Ed
Reforming Greece: Myths and Truths
were unable to provide new loans to underwrite company growth. “The recessionary measures that were taken in Greece were not the cause of the crisis.” Even large companies that could ordinarily rely on public equity or debt markets...
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by George Serafeim
- 15 Nov 2006
- Research & Ideas
Lessons Not Learned About Innovation
must contribute to the other. Q: What is the innovation pyramid and how does it work? A: The innovation pyramid is an innovation strategy that works at three levels. The lion's share of the investment underwrites a few big bets at the...
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by Sean Silverthorne
- 15 Sep 2008
- Research & Ideas
The Coming Transformation of Social Enterprise
the landscape. Q: Another hot topic in the nonprofit world is the idea of creating a for-profit business to help underwrite the cost of operations. Is this the way to go to secure a reliable stream of funds? A: I don't think so. There's a...
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by Roger Thompson
- 22 Aug 2005
- Research & Ideas
Balancing the Future Against Today’s Needs
instance—and "go back to the core" because they knew they could make their annual numbers that way. So, when Urquhart recognized an opportunity to grow from underwriting "big-ticket power projects"—the core...
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by Paul Michelman
- 08 Mar 2011
- First Look
First Look: March 8
underwriting representative for public television and radio stations throughout the United States. When Mr. Williams and his wife, Linda Williams, started NPB in 1996, they had imagined it would grow quickly and be acquired by a larger...
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Sean Silverthorne
- 15 Jan 2018
- Research & Ideas
A Better Business Model for Fighting Cancer
“Maybe you don’t get the perfect answer,” he says, “but for $50,000 you get three-quarters of the way to an answer that otherwise would have cost $500,000.” Or perhaps philanthropists who underwrite a drug’s development could receive...
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- 20 Sep 2011
- First Look
First Look: September 20
than commonly believed. Using a battery of performance tests, we find that loans securitized before 2005 performed no worse than comparable unsecuritized loans originated by the same bank. Even loans originated by the bank that acts as the CLO View Details
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Sean Silverthorne
- 24 Jul 2018
- First Look
New Research and Ideas, July 24, 2018
on Snap: two with buy recommendations, six with holds, and six with sells. When the “IPO quiet period” expired three weeks later, 16 more analysts—who worked at firms that were underwriters for the IPO—issued recommendations: 10 with buy...
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Dina Gerdeman