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      • 2022
      • Working Paper

      The Issuance and Design of Sustainability-linked Loans

      By: Maria Loumioti and George Serafeim
      Sustainability-linked loans (i.e., syndicated loans for which pricing is linked to a sustainability performance indicator) have rapidly evolved into a significant private debt product. We find that sustainability-linked lending has been available mostly to borrowers...  View Details
      Keywords: Sustainability; Sustainability Management; Credit Products; Loan Contracts; Loans; Corporate Finance; Credit Risk; Environment; ESG; ESG Ratings; Climate Change; Finance; Borrowing and Debt; Risk and Uncertainty; Credit
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      Loumioti, Maria, and George Serafeim. "The Issuance and Design of Sustainability-linked Loans." Harvard Business School Working Paper, No. 23-027, November 2022.
      • October 2022
      • Case

      Beam Dental (A)

      By: Rembrand Koning and Alicia Dadlani
      In May 2014, Alex Frommeyer, cofounder and CEO of Kentucky-based Beam Dental, a seed-stage startup that developed connected toothbrushes that tracked brushing habits, needed to decide which strategy to pitch to a venture capital firm. The first pitch deck played to the...  View Details
      Keywords: Business Startups; Business Strategy; Entrepreneurship; Financing and Loans; Presentations; Product Development; Insurance Industry; United States; Kentucky; Ohio
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      Koning, Rembrand, and Alicia Dadlani. "Beam Dental (A)." Harvard Business School Case 723-355, October 2022.
      • 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...  View Details
      Keywords: Obfuscation; Credit Cards; Strategic Incentives; Complexity; Agreements and Arrangements; Customers; Consumer Behavior; Financial Services Industry
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      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.)
      • February 2022
      • Article

      Taxation and Innovation in the 20th Century

      By: Ufuk Akcigit, John Grigsby, Tom Nicholas and Stefanie Stantcheva
      This paper studies the effect of corporate and personal taxes on innovation in the United States over the twentieth century. We build a panel of the universe of inventors who patent since 1920, and a historical state-level corporate tax database with corporate tax...  View Details
      Keywords: Innovation; Income Taxes; Corporate Taxation; Firms; Inventors; State Taxation; Business Taxation; R&D Tax Credits; Taxation; Innovation and Invention; History; United States
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      Akcigit, Ufuk, John Grigsby, Tom Nicholas, and Stefanie Stantcheva. "Taxation and Innovation in the 20th Century." Quarterly Journal of Economics 137, no. 1 (February 2022): 329–385.
      • February 2021
      • Article

      A Dynamic Theory of Multiple Borrowing

      By: Daniel Green and Ernest Liu
      Multiple borrowing—a borrower obtains overlapping loans from multiple lenders—is a common phenomenon in many credit markets. We build a highly tractable, dynamic model of multiple borrowing and show that, because overlapping creditors may impose default externalities...  View Details
      Keywords: Commitment; Multiple Borrowing; Common Agency; Misallocation; Microfinance; Investment; Mathematical Methods
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      Green, Daniel, and Ernest Liu. "A Dynamic Theory of Multiple Borrowing." Journal of Financial Economics 139, no. 2 (February 2021): 389–404.
      • 2020
      • Working Paper

      Accounting for Product Impact in the Consumer Finance Industry

      By: George Serafeim and Katie Trinh
      We apply the product impact measurement framework of the Impact-Weighted Accounts Initiative (IWAI) in two competitor credit card providers within the consumer finance industry. We design a monetization methodology that allows us to calculate monetary impact estimates...  View Details
      Keywords: Product Innovation; Impact; Impact Investing; Impact Measurement; ESG; ESG (Environmental, Social, Governance) Performance; ESG Ratings; Social Corporate Responsibility; Corporate Social Responsibility; Social Impact; Consumer Finance; Financial Services; Financial Inclusion; Product; Product Design; Product Positioning; Society; Corporate Social Responsibility and Impact; Personal Finance; Credit Cards; Financial Services Industry
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      Serafeim, George, and Katie Trinh. "Accounting for Product Impact in the Consumer Finance Industry." Harvard Business School Working Paper, No. 21-061, November 2020. (Revised December 2020.)
      • October 2020
      • Article

      Peer Influence on Trade Credit

      By: Daniel Gyimah, Michael Machokoto and Anywhere (Siko) Sikochi
      We examine the influence of peer firms on trade credit policies of listed firms in the United States. We posit and find evidence that firms mimic their peers in formulating trade credit policies. The findings are more pronounced for firms in highly competitive product...  View Details
      Keywords: Trade Credit; Peer Effects; Product Market Competition; Trade; Credit; Policy; Competition
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      Gyimah, Daniel, Michael Machokoto, and Anywhere (Siko) Sikochi. "Peer Influence on Trade Credit." Journal of Corporate Finance 64 (October 2020).
      • August 2020 (Revised January 2021)
      • Case

      Nubank: Democratizing Financial Services

      By: Michael Chu, Carla Larangeira and Pedro Levindo
      Nubank, a wholly-digital solution created to disrupt Brazilian banking, with 6 million clients and a $4 billion valuation after five years, must decide whether to expand to Mexico. The company was founded in São Paulo in 2013 by Colombian-born David Vélez to seize what...  View Details
      Keywords: Fintech; Financial Inclusion; Digital Banking; Credit Cards; Banks and Banking; Disruption; Expansion; Growth and Development Strategy; Financial Services Industry; South America; Brazil; North America; Mexico
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      Chu, Michael, Carla Larangeira, and Pedro Levindo. "Nubank: Democratizing Financial Services." Harvard Business School Case 321-068, August 2020. (Revised January 2021.)
      • November 2019 (Revised December 2019)
      • Case

      Marcus by Goldman Sachs

      By: Rory McDonald, Samir Junnarkar and David Lane
      Five years on from the 2008 financial crisis, Goldman Sachs remained wounded. Revenues at the global investment bank had stagnated below pre-crisis levels, and the firm had yet to rebound from a substantial decline in securities-trading revenues. Marcus by Goldman...  View Details
      Keywords: Corporate Entrepreneurship; Banks and Banking; Innovation Leadership; Growth and Development Strategy; Growth Management; Organizational Culture; Financial Services Industry; United Kingdom
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      McDonald, Rory, Samir Junnarkar, and David Lane. "Marcus by Goldman Sachs." Harvard Business School Case 620-005, November 2019. (Revised December 2019.)
      • 2019
      • Working Paper

      The (Heterogenous) Economic Effects of Private Equity Buyouts

      By: Steven J. Davis, John Haltiwanger, Kyle Handley, Ben Lipsius, Josh Lerner and Javier Miranda
      The effects of private equity buyouts on employment, productivity, and job reallocation vary tremendously with macroeconomic and credit conditions, across private equity groups, and by type of buyout. We reach this conclusion by examining the most extensive...  View Details
      Keywords: Private Equity Buyouts; Impact; Private Equity; Economics; Employment; Performance Productivity; Wages
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      Davis, Steven J., John Haltiwanger, Kyle Handley, Ben Lipsius, Josh Lerner, and Javier Miranda. "The (Heterogenous) Economic Effects of Private Equity Buyouts." Harvard Business School Working Paper, No. 20-046, October 2019. (Revised July 2021. NBER Working Paper 26371.)
      • 2021
      • Working Paper

      Improving Customer Compatibility with Tradeoff Transparency

      By: Ryan W. Buell and MoonSoo Choi
      Through a large-scale field experiment with 393,036 customers considering opening a credit card account with a nationwide retail bank, we investigate how providing transparency into an offering’s tradeoffs affects subsequent rates of customer acquisition and long-run...  View Details
      Keywords: Behavioral Operations; Operational Transparency; Customer Compatibility; Customer Behavior; Consumer Behavior; Decision Making; Operations; Strategy
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      Buell, Ryan W., and MoonSoo Choi. "Improving Customer Compatibility with Tradeoff Transparency." Harvard Business School Working Paper, No. 20-013, July 2019. (Revised January 2021.)
      • February 2019 (Revised March 2019)
      • Case

      Banorte and the Capital Call Facility: Infrastructure Finance in Mexico

      By: John D. Macomber, Carla Larangeira and Fernanda Miguel
      As a result of Mexico´s pension industry deregulation, pension funds were able to invest in energy and infrastructure projects through a variety of financial instruments, particularly through Capital Development Certificates (CKDs), an asset class that served as a...  View Details
      Keywords: Financial Products; Fund Management; Capital Call Facility; Pension Funds; Infrastructure; Energy; Finance; Decision Making; Investment Funds; Financial Instruments; North America; Mexico
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      Macomber, John D., Carla Larangeira, and Fernanda Miguel. "Banorte and the Capital Call Facility: Infrastructure Finance in Mexico." Harvard Business School Case 219-049, February 2019. (Revised March 2019.)
      • June 2018 (Revised January 2019)
      • Case

      Membership Rewards® from American Express

      By: Shelle Santana, Frances X. Frei and Lauren G. Pickle
      Credit and charge card issuer American Express (Amex) had developed a strong reputation among consumers due in part to its Membership Rewards (MR) loyalty program, first established in 1991. Through MR, all Amex cardholders could accumulate and redeem “points” based on...  View Details
      Keywords: Financial Services; Customer Loyalty; Credit Cards; Marketing Strategy; Product Marketing; Brands and Branding; Customer Value and Value Chain; Value Creation; Financial Services Industry; Banking Industry; North America; United States
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      Santana, Shelle, Frances X. Frei, and Lauren G. Pickle. "Membership Rewards® from American Express." Harvard Business School Case 518-079, June 2018. (Revised January 2019.)
      • 2020
      • Working Paper

      The Real Exchange Rate, Innovation and Productivity

      By: Laura Alfaro, Alejandro Cuñat, Harald Fadinger and Yanping Liu
      We evaluate manufacturing firms' responses to changes in the real exchange rate (RER) using detailed firm-level data for a large set of countries for the period 2001–2010. We uncover the following stylized facts about regional variation of manufacturing firms'...  View Details
      Keywords: Real Exchange Rate; Firm Level Data; Innovation; Productivity; Exporting; Importing; Credit Constraints; Currency Exchange Rate; Innovation and Invention; Performance Productivity
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      Alfaro, Laura, Alejandro Cuñat, Harald Fadinger, and Yanping Liu. "The Real Exchange Rate, Innovation and Productivity." Harvard Business School Working Paper, No. 18-044, November 2017. (Revised April 2020.)
      • September 2017 (Revised November 2018)
      • Case

      Chase Sapphire: Creating a Millennial Cult Brand

      By: Shelle Santana, Jill Avery and Christine Snively
      The launch of the Chase Sapphire Reserve credit card was enthusiastically received by millennial consumers, a cohort that had previously eluded JPMorgan Chase and its competitors. With the one-year anniversary of the launch approaching, managers are focused on...  View Details
      Keywords: Brand & Product Management; Product Strategy; New Product Development; Credit Card; Customer Acquisition; CRM; Millennials; Marketing; Marketing Strategy; Brands and Branding; Credit Cards; Product Development; Product Launch; Customer Relationship Management; Consumer Behavior; Demographics; Financial Services Industry; Service Industry; Banking Industry; United States; North America
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      Santana, Shelle, Jill Avery, and Christine Snively. "Chase Sapphire: Creating a Millennial Cult Brand." Harvard Business School Case 518-024, September 2017. (Revised November 2018.)
      • September 2017 (Revised June 2019)
      • Case

      Dianrong: Marketplace Lending, Blockchain, and 'The New Finance' in China

      By: Christopher J. Malloy, Lauren H. Cohen and Anthony K. Woo
      This case examines the strategic positioning of Dianrong, one of the largest online peer-to-peer (P2P) lending platforms in China, in its attempt to become a foundational player in the expansion of the FinTech sector in Asia. Dianrong had recently announced the...  View Details
      Keywords: Financing and Loans; Internet and the Web; Supply Chain; Finance; Innovation and Invention; Competition; Product Positioning; Strategy; Financial Services Industry; China
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      Malloy, Christopher J., Lauren H. Cohen, and Anthony K. Woo. "Dianrong: Marketplace Lending, Blockchain, and 'The New Finance' in China." Harvard Business School Case 218-043, September 2017. (Revised June 2019.)
      • 2017
      • Chapter

      Entrepreneurship, Policy, and the Geography of Wind Energy

      By: Geoffrey Jones
      This study examines the geography of the global wind energy industry before 2000. Between 1980 and 2000, the global generating capacity of wind power grew from 13 megawatts to 17,400 megawatts, but two-thirds of that capacity was in Denmark, Germany, Spain, and the...  View Details
      Keywords: Wind Power; Business And Government; Renewable Energy; Entrepreneurship; Geography; Business and Government Relations; Policy; Business History; Energy Industry; Green Technology Industry; Asia; Europe; United States
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      Jones, Geoffrey. "Entrepreneurship, Policy, and the Geography of Wind Energy." Chap. 12 in Green Capitalism? Business and the Environment in the Twentieth Century, edited by Hartmut Berghoff and Adam Rome, 206–231. Hagley Perspectives on Business and Culture. Philadelphia, PA: University of Pennsylvania Press, 2017.
      • October 2016 (Revised September 2017)
      • Case

      The CRISPR-Cas9 Quarrel

      By: Richard G. Hamermesh and Matthew G. Preble
      In mid-2016, the Broad Institute and the University of California, Berkeley were in the middle of a contentious patent dispute over which entity controlled a breakthrough gene editing technology called CRISPR-Cas9. With CRISPR-Cas9, scientists might soon be able to...  View Details
      Keywords: CRISPR; Broad Institute; University Of California Berkeley; Intellectual Property; Patents; Law; Lawsuits and Litigation; Science; Genetics; Entrepreneurship; Biotechnology Industry; United States
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      Hamermesh, Richard G., and Matthew G. Preble. "The CRISPR-Cas9 Quarrel." Harvard Business School Case 817-020, October 2016. (Revised September 2017.)
      • September 2016
      • Teaching Note

      Apple Pay

      By: Shelle Santana and Sunil Gupta
      Keywords: Technology; Digital Services And Strategy; Launch; Mobile; Mobile Payments; Apple; Payments; Smartphone; Apple Pay; Eddy Cue; Jennifer Bailey; iOS; Iphone; Marketing; Product; Mobile and Wireless Technology; Product Launch; Finance; Credit Cards; United States; United Kingdom
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      Santana, Shelle, and Sunil Gupta. "Apple Pay." Harvard Business School Teaching Note 517-038, September 2016.
      • August 2016 (Revised June 2017)
      • Case

      Oversight Systems

      By: Frank V. Cespedes and Amram Migdal
      The case, set in May 2016, discusses sales strategy and managing sales and service at Oversight Systems, an Atlanta, Georgia–based software firm that developed analytics for organizations to monitor their data for errors, fraud, and operational inefficiencies. Included...  View Details
      Keywords: Sales; Sales Strategy; Entrepreneurial Sales; Entrepreneurial Sales And Marketing; Software Sales; Marketing; Marketing Management; Pricing; Salesforce Management; Distribution Channels; Marketing Strategy; Technology Industry; North America; United States; Atlanta; Georgia (state, US)
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      Cespedes, Frank V., and Amram Migdal. "Oversight Systems." Harvard Business School Case 817-015, August 2016. (Revised June 2017.)
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