Harvard Business Review

NOVEMBER 29, 2010

Umair Haque Blogs Umair Haque On: Global business , Competition , Economy The Irish Banking Crisis: A Parable 4:33 PM Monday November 29, 2010 | Comments () Email Tweet This Post to Facebook Share on LinkedIn Print Once upon a time, there was a country where bankers disappeared. And thats exactly the role that pubs began to play.

Banking 15

Banking Crisis Merton Guidelines 15

Strategy Driven

JANUARY 21, 2011

SAS – Providing organizations with THE POWER TO KNOW ® SAS is the leader in business analytics software and services, and the largest independent vendor in the business intelligence market. Consider these 11 ideas from the Radical Times Webcast series by SAS Marketing Director Jonathan Hornby: 1. Juliano Howard T. Dickens Jr.

Real Estate 66

Real Estate Magazine Rogers Long-term 66

Harvard Business Review

JANUARY 3, 2017

Retailers such as ALDI and Walmart have used price to position themselves against traditional competitors in their markets, pinching margins all around. Financial asset managers have been out-price-cutting one another in exchange-traded funds in a bid to gain market share. Improving perception.

Price 14

Price Retail Discount Tactics 14

Harvard Business Review

MARCH 14, 2017

As I said at the time, it was a case study in poor policy and even poorer execution. The original reason given for the drastic demonetization action was to expose the so-called “black” market, fueled by money that is illegally gained and undeclared for tax purposes. Overnight, 86% of cash in circulation was voided.

Banking 10

Banking GDP Policies Real Estate 10

Harvard Business Review

SEPTEMBER 19, 2014

The evolution of African markets faces significant barriers: cost, distance, and a lack of infrastructure. Less than 30% of the population have bank accounts, and even fewer have credit cards. Informal retail and cash purchases are the norm, and that has its risks and costs. And cellular technology is leading the way.

Banking 8

Banking Retail Wireless Operations 8

Harvard Business Review

OCTOBER 17, 2013

Mr. Johnson bet big on a new pricing policy: instead of weekly flyers advertising blow-out discounts, the general merchandise retailer moved to offering low prices every day. Based on an informal price comparison amongst retailers, The Washington Post concluded “Everyday prices at J.C. Bank would barely be making ends meet.

Price 8

Price Discount Retail Banking 8

Harvard Business Review

DECEMBER 28, 2017

After being denounced for years for its dictatorship and destructive economic policies, Zimbabwe entered a new chapter in November 2017, following the military’s removal of president Robert Mugabe, who ruled the country for 37 years. This is promising for a market formerly dubbed the “breadbasket of Africa.”

Banking 8

Banking First-mover Advantage Politics Finance 8

Harvard Business Review

MARCH 20, 2012

Erratic capital markets, systemic risk, tax policy, and regulatory uncertainty have all been offered as culprits, and all play their parts. Why are CEOs having just as much trouble finding talent now as they did in tighter job markets? Why aren't U.S. businesses leading the global economy to recovery?

Retail 16

Retail Competitive Advantage CEO Banking 16

Harvard Business Review

DECEMBER 14, 2016

Prime Minister Narendra Modi launched a surprise in early November, demonetizing 500 and 1,000 rupee bank notes. In the meantime, retail and wholesale markets have stalled around the country. People up and down the income spectrum are dealing with changing cash withdrawal policies and empty ATMs.

Banking 8

Banking Cost Policies Supply Chain 8

Strategy Driven

DECEMBER 27, 2010

The increase in private sector jobs suggests that retail and factory jobs will continue to climb. The issue at the heart of this uncertainty involves limited access to capital at a time when banks are reluctant to lend. Juliano Howard T. Dickens Jr. Ives Sharon Drew Morgen Hank Moore Jamie P. The results are mixed.

Uncertainty 57

Uncertainty Insurance Newsletter Incentives 57

Harvard Business Review

JUNE 23, 2014

Showrooming , once a worry primarily for consumer electronics retailers, is expanding into markets we might have thought exempt. Chalk this up to the efficiency of digital retailers, who’ve systematically dismantled every obstacle to online shopping. We should see this as an experience design problem.

Retail 8

Retail Reis Price Banking 8

Harvard Business Review

JULY 24, 2017

The company is Australia’s eighth largest by market capitalization and an opinion leader in business circles. Highly diversified across food retailing, hardware, office supplies, department stores and industrial products, its current CEO, Richard Goyder, is stepping down to be replaced by an internal appointee, Rob Scott.

Execution 8

Execution Banking CEO Morale 8

Harvard Business Review

AUGUST 24, 2017

A nearly $150 million settlement is pending for the fake-account scandal that roiled the bank last year, and a new scandal has emerged: Recently it has been alleged that thousands of customers were signed up for insurance without their knowledge. ’s largest banks? What explains the divergence in the fortunes of two of the U.S.’s

CEO 8

CEO Accrual Accounting Pharmaceuticals Banking 8

Harvard Business Review

AUGUST 11, 2014

Factors ranging from weak demand to bank consolidation have combined to hobble many small businesses  and if these factors arent addressed, they could continue to impede U.S. And as we describe in a recent HBS Working Paper , gaps remain in traditional bank credit supply. job growth and economic security. small businesses.

Technology 9

Technology Banking Class Real Estate 9

Harvard Business Review

AUGUST 23, 2012

So why did one of the planet's biggest investment banks — and its 33,300 employees — hold out so long? Just ask Gene Morphis, ex-CFO of clothing retailer Francesca's. The combination of the right policy and the right technology can render even the most delicate of communications compliant.

Compliance 15

Compliance Media Compliance Officer Policies 15

Harvard Business Review

MAY 19, 2016

In the wake of the 2008 financial crisis, there was a lively debate among policy makers and academics about whether a similar gap “ between the skills workers have and the skills businesses say they need ” contributed to the increase in unemployment. The labor force adjusted to a new technology replacing an older one.

Skills 12

Skills Education Policies Learning-by-Doing 12

Harvard Business Review

FEBRUARY 16, 2016

Education and immigration policy are also notably absent from directors’ main concerns. If their projections turn out to be right, we should get ready for a bumpy road ahead, with market volatility and negative surprises. Foreign policy and immigration policy are rarely cited as top worries.

Politics 8

Politics Telecommunications Policies Biotechnology 8

Harvard Business Review

JUNE 26, 2014

There is no fee charged to retailers who use it and no exorbitant interest rates lying in wait for consumers. The unbanked pay four times more in fees to access their money than those with bank accounts, and they pay $4 higher fees per month for cash access on average than those with formal financial services. It’s safe from hackers.

Cost 8

Cost Transportation Banking Retail 8

Harvard Business Review

MAY 16, 2018

Or banking on career advancement opportunities only to realize that your employer seldom fills open roles from within your organization. Take outdoor apparel retailer Patagonia. They can benefit greatly from assessing the distance between their recruitment marketing and the actual employee experience.

Reputation 12

Reputation Brand Attrition How To 12

Harvard Business Review

SEPTEMBER 9, 2015

The bullwhip effect is the amplified response to demand signals as one moves “upstream” in the supply chain: from retailers to manufacturers to suppliers to commodity providers. Here’s a hypothetical illustration of the bullwhip effect: A retailer might experience an X% drop in sales owing to some external event.

Supply Chain 8

Supply Chain Retail Crisis Operations 8

Harvard Business Review

NOVEMBER 23, 2010

For example, marketing optimizes its activities for its own benefit and the sales and customer service functions do likewise. The end-to-end process of customer acquisition and retention — getting rid of duplicate activities and information across marketing, sales and customer service — isnt touched.

Process 15

Process CEO Insurance Banking 15

Harvard Business Review

NOVEMBER 23, 2010

When I founded the nonprofit African Institution of Technology , I initially focused on helping African entrepreneurs or artisans, especially those with only primary education, develop new skills and market opportunities. Most African artisans do not bank because of the fees associated with operating current accounts.

Books 13

Books Guidelines Banking Telecommunications 13

Harvard Business Review

AUGUST 22, 2016

The Great Recession revealed one of the weakest links in Africa’s quest to build strong capital markets — bogus audited statements. After the fall of Lehman Brothers, the cascading dominoes spread around the world crippling markets and decimating companies.

Insurance 8

Insurance Incentives Quality Marketing 8

Harvard Business Review

JULY 25, 2016

A recent CMO Survey indicates that marketers plan to double their spending on social media in the next five years. This disparity highlights an important, and potentially costly, problem: Marketers continue to increase social media spending, yet many are still uncertain about management, strategies, and integration.

Media 8

Media Strategy Audience Brand 8

Harvard Business Review

FEBRUARY 8, 2017

The middle class, long the bread and butter of consumer companies of all kinds, is shrinking as a percentage of the population in mature markets. And in emerging markets, where many consumer companies have been laying their bets for the future, growth has started to slow. In emerging markets, that number is even higher, at 90%.

Maturity 8

Maturity Advertising Marketing Insurance 8

Harvard Business Review

SEPTEMBER 29, 2014

In the 1900s, French mathematician-economist Leon Walras envisioned prices in a market economy being set by an auctioneer (since known as the “Walrasian auctioneer”) conducting continuous auctions for all kinds of commodities. Economists and market design. Many economists since have been hired by the U.S. This has all changed.

Strategy 12

Strategy Black-Scholes Airlines Price 12

Harvard Business Review

DECEMBER 2, 2010

In March 2008, Lula convened his political marketeer João Santana and Dilma to present his overall plan of making Dilma his successor. Financial markets, historically sensitive and nervous during elections, watched with unusual calm the battles between Dilma and Serra. growth in the Gross Domestic Product in 2010.

Politics 14

Politics Bureaucracy Globalization Compliance 14

Harvard Business Review

AUGUST 6, 2018

Across industrial sectors, from healthcare to energy, from construction to retail, engineers are creating new technologies with potentially disruptive implications for the current architectural order of the global economy. One of the technologies, an “ AI doctor ”, shows great promise for the future of healthcare in Africa.

Health Care 10

Health Care Technology System Library 10

Harvard Business Review

JUNE 18, 2015

Upstarts like The Honest Company, Warby Parker, and Airbnb are able to quickly win market share from leading businesses like Procter and Gamble, Luxotica, and Starwood Hotels by decomposing markets into highly customized niches so that the incumbents can’t compete on scale alone. The company had originated over $7.5

Succession 8

Succession Brand Productivity Products 8

Harvard Business Review

OCTOBER 6, 2011

But I'm most fascinated by how Timeline plugs in to Facebook Connect to create a new class of empowered consumers who are willing to share their personal data with marketers in exchange for convenience, a personalized experience, and value. If I hook in to my bank, insurer, and auto mechanic via Facebook Connect, there is.

Management 9

Management CIO Reputation Class 9

Harvard Business Review

OCTOBER 3, 2014

Of all the generations alive today, millennials are the most willing to trade financial return for greater social impact, according to “ Millennials and Money ,” a 2014 study from Merrill Lynch’s Private Banking and Investment Group. According to another study, U.S. These opinions matter.

Commitment 9

Commitment Banking Class Entrepreneur 9

Harvard Business Review

OCTOBER 24, 2016

But almost none of these institutional-investment giants have any policies in place for monitoring or engaging with the startups who are creating next-generation investment technologies. This disconnect is a major problem for the continuing development of efficient capital markets. How is this state of affairs possible?

Operations 8

Operations Intangible Assets Venture Capitalist Hedge 8

Harvard Business Review

MARCH 7, 2013

This position also meant that governments were continually intervening in markets with price-setting and regulations, as well as with government ownership. One can also see his continual intervention in markets, from banking to retail, as motivated by the same belief that government knows best, and that markets are not to be trusted.

Politics 8

Politics Price Simon Long-term 8

Harvard Business Review

MARCH 8, 2016

This has big implications for businesses, entrepreneurs, and innovators seeking growth beyond their home markets: there just isn’t a one-size-fits-all app or approach to building scale in the global digital economy. What would need to be true for the country to get to the Singapore benchmark in 10 years?

Benchmarking 8

Benchmarking Policies Globalization Long-term 8

Harvard Business Review

FEBRUARY 10, 2015

Yet, unlike money, the market for personal data is relatively embryonic. Today, new policy approaches to data privacy are requiring businesses to update their understanding of the costs and benefits associated with collecting and analyzing data across different economies.

Telecommunications 8

Telecommunications Cost-Benefit Analysis Reputation Survey 8

Harvard Business Review

JANUARY 24, 2017

For us, growth events mean simply concrete, directly observable achievements that foreshadow future success: for example, new customer contracts, initial export sales, new bank or equity financings, expanded production capacity, or expanded people platforms (e.g. strategic hires). day, scale-focused workshops and related activities.

Entrepreneur 8

Entrepreneur Mentor Banking Self-aware 8

Strategy Driven

OCTOBER 11, 2013

Business shift from the retail dealer customer service mentality of Firestone shifted to a high-production tire operation. Along the way, many defective tires hit the market, subsequently causing SUV rollovers, damage and, in some cases, deaths. K-Mart had become the odd retailer out but still kept 1,500 stores for its reorganization.

Crisis 58

Crisis Crisis Management Retail Budgeting 58