Harvard Business Review

MARCH 14, 2017

As I said at the time, it was a case study in poor policy and even poorer execution. When the policy change was announced, people were given until December 30, 2016, to return 500- and 1,000-rupee notes to banks, or else risk losing the value of them. According to a Bloomberg report , banks were estimated to have received 14.97

Banking 10

Banking GDP Policies Real Estate 10

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. As one bank CEO interviewed for our survey put it, "Our future competitors will not be traditional banks, but large technology companies.". Why aren't U.S. But beyond that, for U.S.

Retail 16

Retail Competitive Advantage CEO Banking 16

Harvard Business Review

SEPTEMBER 19, 2014

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. More people have mobile money accounts than bank accounts in at least nine African countries, up from four in 2012. And cellular technology is leading the way.

Banking 8

Banking Retail Wireless Operations 8

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. without any compliance process or technology in place.". Everything starts with a firm's social media policy," Langford says.

Compliance 15

Compliance Media Compliance Officer Policies 15

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. A look at retailers who succeed despite showrooming reveals three design imperatives.

Retail 8

Retail Reis Price 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. An influx of capital could also result in a revival in the formal retail sector (e.g.,

Banking 8

Banking First-mover Advantage Politics Finance 8

Harvard Business Review

MAY 19, 2016

Nevertheless, few would argue that information technology permanently increased unemployment. The labor force adjusted to a new technology replacing an older one. It would seem that this provides a profitable opportunity for companies that are able to be flexible in their compensation policy.

Skills 12

Skills Education Policies Learning-by-Doing 12

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

Harvard Business Review

APRIL 30, 2015

A blanket policy that just tries to create another Silicon Valley can turn out to be a disaster. But these Main Street businesses employ a lot of Americans –as many as 57 million– and the policies they need are not the same as the ones required by startups. Most of these small businesses don’t actually have employees.

Supply Chain 8

Supply Chain Rivkin Venture Capitalist Policies 8

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

OCTOBER 24, 2016

Small startup firms are already developing proprietary technologies — such as machine vision, deep learning, and other innovations —– that could help large investors evaluate opportunities and risks with far greater accuracy and efficiency than was previously possible. But right now that’s not happening.

Operations 8

Operations Intangible Assets Venture Capitalist Hedge 8

Harvard Business Review

JANUARY 5, 2015

At the end of each year, I apply a framework to surface the most important emerging trends in digital media and emerging technology for the year ahead. It analyzes consumer behavior, microeconomic trends, government policies, market forces, and emerging research within the context of our continually-evolving tech and digital media ecosystem.

Trends 8

Trends Retail Learning-by-Doing Banking 8

Harvard Business Review

MAY 4, 2016

I explored the BYO movement, looking at official policies and real-life practices for BYOD (bring your own device), BYOPC (bring your own computer) and BYOA (bring your own application, including using the public cloud). If they find shortcuts, ways around official policy that let them provide better service, they will take them.

Trends 8

Trends Telecommunications Survey Policies 8

Harvard Business Review

FEBRUARY 1, 2011

For example, a retailer that has kept and labeled its old POS data could now subject it to today's sophisticated analytical techniques, gaining a valuable understanding of long-term consumer trends. Establish policies for converting retained data into formats that can be read 10 or 20 years from now. What format it is in?

CIO 15

CIO How To Policies Document 15

Harvard Business Review

AUGUST 23, 2011

After serving as a dean at Harvard and Stanford, he was chair of the World Bank-sponsored Commission on Growth and Development from 2006 to 2010. Half of this job growth came in health care, government, retail, and construction. even to identify long-term job growth as a policy priority would be a valuable step forward.

Supply Chain 12

Supply Chain Health Care Globalization Trends 12

Harvard Business Review

FEBRUARY 8, 2017

In financial services, for instance, these ways are the newest cashless payment methods or mobile banking products. They prefer cutting-edge products and state-of-the-art technologies. Shoppers there will be looking for text-based tools to help them pay for items in local retail stores.

Maturity 8

Maturity Advertising Marketing Insurance 8

Harvard Business Review

OCTOBER 27, 2015

At the regulatory and policy levels, authorities have doggedly pursued U.S. By many measures, the UK is ahead of the others in terms of its digital foundations and sophistication; for example, the proportion of retail in the U.K. Reforming immigration policies. government’s prying eyes. tech companies. in Latin America.

Crisis 8

Crisis McKinsey Policies Globalization 8

Harvard Business Review

MARCH 8, 2016

.” Since our research (which was done with support from MasterCard) on the Digital Evolution Index was published, we have spoken with many entrepreneurs, executives, and policy makers interested in accelerating their countries’ digital evolution. must take action, then set individual targets or commitments accordingly.

Benchmarking 8

Benchmarking Policies Globalization Long-term 8

Harvard Business Review

OCTOBER 6, 2011

If I hook in to my bank, insurer, and auto mechanic via Facebook Connect, there is. A consumer's multiple PDLs — imagine one for health data, another for financials, a third for retail purchases, for example — will all be connected via the individual's chosen web- or app-based portal (the AM).

Management 9

Management CIO Reputation Class 9

Harvard Business Review

FEBRUARY 10, 2015

technology companies as much as $35 billion in potential business. At the same time, several technology platforms that do not collect or share personal data have emerged since mid-2013. Large technology companies might have to pay as much as $200 million to build a data center in Russia, compared with $43 million in the United States.

Telecommunications 8

Telecommunications Cost-Benefit Analysis Reputation Survey 8

Harvard Business Review

JANUARY 8, 2015

As the CEO of a British bank confided at last year’s World Economic Forum, “We all know it’s important to be empathic, but how do I galvanize 48,000 people in my UK operations — most of whom think that empathy is for wimps? The only shock there was that the technology retailer, Carphone Warehouse, did even worse.

Emotional Intelligence 8

Emotional Intelligence Media Sample Banking 8

Harvard Business Review

JULY 8, 2013

s decision, Bank of America had drastically cut back on their popular My Work program that used flexible scheduling and telecommuting centers to help employees find a work environment and schedule that made them most efficient. And Zappos , Amazon''s online retailer, also recently scaled back their flexible work arrangements.

Presenteeism 9

Presenteeism Career Sample Retail 9

Strategy Driven

OCTOBER 11, 2013

Business shift from the retail dealer customer service mentality of Firestone shifted to a high-production tire operation. K-Mart had become the odd retailer out but still kept 1,500 stores for its reorganization. Inevitably, when retailers contract, they blame poor performance upon bad locations. In 1999, the U.S.

Crisis 58

Crisis Crisis Management Retail Budgeting 58

Harvard Business Review

DECEMBER 23, 2015

Consider that other power brokers, such as Jim Yong Kim, President of the World Bank, echoed themes similar to those the Pope raised. This is in part because every clean energy technology is rapidly getting cheaper. Mega-retailer Target, for example, assesses thousands of products it sells and scores them on sustainability performance.

Supply Chain 8

Supply Chain Apparel Energy Price 8

Harvard Business Review

FEBRUARY 25, 2015

Both Singapore and Israel have liberal immigration policies for skilled workers. Ultimately dubbed the Technology Incubation Scheme (in Singapore, a scheme is a good thing), the program helped bring a flood of diverse investors into the country by offering to put up 85% of the capital in a start-up when investors put in 15%.

Entrepreneur 8

Entrepreneur Incubator Venture Capitalist Innovation 8

Harvard Business Review

MARCH 20, 2017

After a close look at workplace policies across corporations, banks, law firms, and tech companies, the New York Times called grueling competition the defining feature of the upper-echelon workplace. When managers felt anxious about employment policies, they were significantly more likely cut corners or sabotage colleagues.

Banking 11

Banking Creativity Policies Competitive Advantage 11

Strategy Driven

JUNE 22, 2012

Communications is fundamental to maintaining, but technology is only as good as the people using it. ’ What they’re really selling: Skin cream. ’ What they’re really selling: Banking. Banks buy money wholesale and sell it to borrowers at retail rates. ‘Products for Healthy Living.’

Brand 50

Brand Analysis Advertising Software 50

Harvard Business Review

SEPTEMBER 15, 2016

based technology company that securely backs up and protects data for more than 1.5 based technology company that securely backs up and protects data for more than 1.5 Every single customer can trust us to encrypt all of their files with bank-grade technology before we back them up to our cloud servers. technology firms.

Technology 8

Technology Globalization Software Telecommunications 8

Harvard Business Review

MAY 11, 2016

“This is not happening just in retail, or in IT-producing sectors,” said Chiara Criscuolo, an OECD economist and coauthor of the report. This segregation isn’t only about hard skills like coding, argues Bloom, pointing to a paper by Christina Håkanson of the Swedish National Bank and her colleagues.

McKinsey 8

McKinsey Document Engineering Outsourcing 8

Harvard Business Review

JULY 5, 2016

In certain areas of technology, the country is the undisputed leader for the continent: with London as the center of fintech in Europe, for example, fintech investment in the UK was $5.4 A third of VC investments in Europe were focused on the UK in the first quarter of 2016, according to CBInsights. billion as compared to $4.4

Safe Harbor 9

Safe Harbor Industry Uncertainty Crisis 9

Harvard Business Review

DECEMBER 20, 2016

At the state level, New Jersey passed a big new gas tax , and Oregon , Illinois , and California developed robust energy and climate policies. Many invested heavily in renewable energy (see number five on this list), and some big companies dove into policy debates this year. Many banks heeded the advice, pulling funding from coal.

Energy 8

Energy Banking Chemicals Globalization 8

Harvard Business Review

JULY 28, 2016

New workers embarking on their careers are finding that their education is incomplete in many areas essential to our technology-driven lives today. Many argue it’s the slowing economy; some would say it’s public policy (and lack thereof); others would say it’s workers’ sentiment and poor job growth.

GDP 8

GDP Wilde Intangible Assets GAAP 8

Harvard Business Review

AUGUST 23, 2016

Our limited sample suggests that both groups agree that board leadership should serve as champions of board diversity, but they differ on the policies they advocate to increase board diversity. Meanwhile, Democrats place greater importance on technology expertise and risk management.

Politics 8

Politics Committee Telecommunications Diversity 8