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. consumers are just being introduced to Apple Pay, mobile money services like MPesa and MTN Money have been flourishing in African markets.

Banking 8

Banking Retail Wireless Operations 8

Harvard Business Review

AUGUST 23, 2012

On May 24, 2012, Goldman Sachs did something it had never done in its venerable 143-year history. So why did one of the planet's biggest investment banks — and its 33,300 employees — hold out so long? So why did one of the planet's biggest investment banks — and its 33,300 employees — hold out so long?

Compliance 15

Compliance Media Compliance Officer Policies 15

Harvard Business Review

MARCH 13, 2012

This same principle applies more broadly to clean technology; to compete, it must outperform incumbent technologies on these dimensions. The first critical step already under way toward this fair competition is to strip away the subsidies that have distorted both the clean and conventional energy markets.

Energy 10

Energy Price Long-term Banking 10

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. The disruptive action did not originate in a small segment of the market; it was launched nationwide.

Banking 8

Banking Cost Policies Supply Chain 8

Harvard Business Review

MARCH 22, 2016

You’d think that increasingly sophisticated technology would help reduce this waste. For example, the finance department approves what to buy, facilities maintains equipment, HR tells employees how to conserve energy, and marketing manages the company’s corporate sustainability reporting.

Company 8

Company Management CIO Energy 8

Harvard Business Review

APRIL 16, 2014

CEOs are proactively engaging with emerging market government to spur economic development and create opportunities for their companies. In the fast growth markets of Asia, Africa and Latin America, national governments are responding to a more empowered citizenship, and looking for corporate partners to achieve their development goals.

Globalization 8

Globalization Development Supply Chain Long-term 8

Harvard Business Review

DECEMBER 4, 2018

A recent report by the consultancy BCG documented a general decline in sales among consumer packaged goods (CPG) companies in the United States during 2017, with mid-sized and large companies losing market share and small companies increasing theirs. Consultancy Catalina also revealed that 90 of the 100 top brands had all lost market share.

Brand 9

Brand Retail Incubator Merchandising 9

Harvard Business Review

APRIL 4, 2016

And while two years of shrinking GDP growth , sanctions , and a volatile ruble have led some companies like GM to leave the market, there has not been a large-scale exodus of MNCs from Russia. For multinational firms, Russia’s attractiveness lies primarily in the size and sophistication of its market.

Depreciation 8

Depreciation B2B Price Crisis 8

Harvard Business Review

JULY 22, 2016

Network businesses have always been around, from matchmakers to real estate brokers, but it’s the move to digital platforms that has led to market-shaking effects. Instagram is an exciting marketing channel; GoPro’s account helps keep users engaged with the company and lets GoPro know how people use its products.

Real Estate 8

Real Estate Business Model Incubator Short-term 8

Harvard Business Review

JUNE 25, 2013

In December 2012 and January of this year, Tata Consultancy Services surveyed 1,217 executives from large companies (revenue of more than $1 billion) in a dozen global industries in North America, Europe, Asia-Pacific, and Latin America. Yet ROI leaders in our study also included telecoms, retailers, banks and high-tech companies.

ROI 8

ROI Company Learning Curve Retail 8

Harvard Business Review

JUNE 11, 2015

By second phase, I mean the creation of entirely new offerings that are possible only because of digital technology. In 2012, the company selected five out of 105 applicants; in the subsequent year 20 were chosen out of 130. Barclays Bank has invested in more than 20 start-ups in the last couple of years.

Advertising 8

Advertising Banking Learning Curve Ryan 8

Harvard Business Review

MAY 28, 2013

According to Pew Internet , 55 percent of Americans said they''d used a mobile device to access the internet in 2012. As Pew Internet reports : Young adults: 50 percent of teen smartphone owners, aged 12-17, say they use the internet mostly on their cell phone, according to a 2013 Pew Internet report on Teens and Technology.

Content 9

Content Audience Marketing Strategy Report 9

Harvard Business Review

AUGUST 2, 2013

That''s been the finding of economists Barry Eichengreen of UC Berkeley, Donghyun Park of the Asian Development Bank in Manila, and Kwanjo Shin of Korea University in Seoul in two recent studies of growth slowdowns in emerging markets around the world. to 8% growth rate.". When that happens, growth tends to slow.

GDP 8

GDP Banking Finance Maturity 8

Harvard Business Review

MAY 28, 2018

They had surged with the rise of digital camera only to peak in 2012, coming back down as smart phones became widely used. Then a new CFO joined the company: Masashi Oka, a financial industry veteran who had played a key role in transforming Mitsubishi UFJ Financial Group-owned Union Bank in the US. What he heard was uncomfortable.

Company 8

Company ROIC CFO Restructuring 8

Harvard Business Review

APRIL 18, 2012

The choice of who will lead the World Bank has been made. It was a much-watched contest, as many had thought it might turn out otherwise—that the old boys' bargain, under which an American gets to lead the World Bank and a European gets the IMF, would cave in to pressure from everyone else. But haven't we heard this before?

Globalization 11

Globalization Banking Restructuring Politics 11

Harvard Business Review

OCTOBER 12, 2016

Both of these Trojans target system information, online credentials, and banking details. billion has been hacked from the Boleto Bancário, a payment method managed by the Brazilian Federation of Banks, since 2012. These are also customizable tools that can gather any sort of information the thief wishes. Insight Center.

Company 8

Company Banking Information Advice 8

Harvard Business Review

OCTOBER 26, 2015

A recent USC study shows that across multiple and diverse markets, industries are 25% more likely to be “highly concentrated” than they were 20 years ago. Yet at the same time, America’s largest companies are more than twice as likely to lose market share than in 1980. corporate consolidation.

Competitive Advantage 8

Competitive Advantage Pharmaceuticals Industry Trends 8

Harvard Business Review

JULY 26, 2018

Grab, which launched its service in 2012 with 40 drivers in Malaysia, came late to the ride-hailing game, only after Uber had established a formidable position in the United States. Uber’s setback in the international market, however, wasn’t its first. The news came as a surprise to many observers.

Transportation 8

Transportation Health Care Venture Capitalist Advertising 8

Harvard Business Review

JANUARY 3, 2017

The company, Australia’s largest wealth platform provider, is the wealth management arm of the Westpac Group (Australia’s second largest bank in terms of market capitalization). As business leaders, they were acutely aware that there was no decent solution in the market. Related Video. The Explainer: Design Thinking.

Commitment 10

Commitment Banking Proposal Video 10

Harvard Business Review

NOVEMBER 3, 2016

nearly 6 million entry-level jobs will be created from 2012 to 2022, according to the Bureau of Labor Statistics. It teaches young people the dress, demeanor, and collaboration skills expected in a professional setting as well as the technical skills for careers in IT, operations, finance, sales and marketing, or customer service.

Organization 8

Organization Chief Operating Officer Education Software 8

Women on Business

DECEMBER 20, 2012

Here’s a quick look at what I found: Rohit Bhargava, marketer, professor and author of Likeonomics , recently issued his report: 15 Marketing Trends In 2013 And How Your Business Can Use Them. In 2012, according to the State of Women-Owned Businesses Report from American Express Open, there are more than 8.3 million in 2011.

Trends 265

Trends Power Simon Real Estate 265

Harvard Business Review

MAY 16, 2014

Look out across today’s ultra-competitive smartphone market and you’ll see something resembling the religious wars of the Middle Ages. I will spend my last dying breath if I need to,” Jobs is quoted as saying in a series of jeremiads , “and I will spend every penny of Apple’s $40bn in the bank, to right this wrong.

Outsourcing 8

Outsourcing Software Industry Construction 8

Harvard Business Review

MARCH 28, 2016

In the past, disruption occurred at the level of discrete product and service technologies that competed to offer better value for customers (e.g., inch disk drives; LCD vs. CRT television; online vs. brick-and-mortar banks). It made huge investments in new technology, new plant, and new personnel. inch vs. 3.5-inch 3 globally).

Company 8

Company How To Technology Strategy 8

Harvard Business Review

JANUARY 17, 2014

Although you may enjoy the same convenience with your own bank, you can thank USAA for it. They were the initial developers of this technology and hold the patent for it. This clarity of focus is why in 2012 USAA achieved 98% customer retention , and 95% of their customers said they will stay with USAA for life.

Company 8

Company Innovation Wilde Insurance 8

Harvard Business Review

JUNE 28, 2013

Most budgets for 2013 were made in 2012, when the prevailing economic outlook was grim. Banks are now adequately capitalized and are beginning to lend, and venture capitalists are as hungry as ever. Position yourself in market segments that will grow. The recession eliminated some market segments and redefined others.

Budgeting 8

Budgeting Market Segmentation Venture Capitalist Real Estate 8

Harvard Business Review

APRIL 18, 2013

A 2012 Pricewaterhouse Coopers survey found that 60% of CEOs did not believe they had the talent they needed to be successful, and one in four had to delay or forego market opportunities and strategic initiatives because they didn''t have the right talent. employers report having difficulty filling key roles.

Cooper 8

Cooper Customer Loyalty Storytelling Career 8

Harvard Business Review

JUNE 23, 2014

Showrooming , once a worry primarily for consumer electronics retailers, is expanding into markets we might have thought exempt. It’s an unusual model, but a great design solution in a saturated market. In that time, it’s grown from less than 70 branches to nearly 400, becoming the largest regional bank in the Western US.

Retail 8

Retail Reis Price Banking 8

Harvard Business Review

JANUARY 20, 2015

Brazil is apparently the place to go if you’re in the market for some banking malware. In three months in 2012, Russia’s share of malicious hosts rose by around 10%, and the United States lost 10% of its bad boy computers. Good technology exists and will help, if we use it.

Proposal 8

Proposal GDP Cooper Offshoring 8

Harvard Business Review

SEPTEMBER 26, 2013

In the past few years, profits have become positive across the industry, and market caps are soaring from prior lows. The turnaround can’t be attributed to a bold, Da Vinci-esque initiative such as new carbon fiber aircraft, the pioneering of new markets or even low-cost innovation. In 2012, the major U.S. So what happened?

Airlines 8

Airlines Industry Transportation Travel 8

Harvard Business Review

JULY 16, 2013

Our 2012 survey, in partnership with WomenCorporateDirectors and Heidrick & Struggles, of more than 1,000 corporate directors across the globe, found that only 48% of the boards had a formal process of determining the combination of skills and attributes required for their board and, therefore, for new directors.

Telecommunications 8

Telecommunications Biotechnology Health Care Real Estate 8

Marshall Goldsmith

OCTOBER 14, 2013

Over the past several years a major shift in customer behavior has reshaped the nature of many markets and is leading to profound changes in how companies attempt to serve those markets. Many technologies, such as computers, copiers, fax machines, and other office equipment are rapidly converging. Marshall@MarshallGoldsmith.com.

Telecommunications 111

Telecommunications Franchising Consultative Diversity 111

Harvard Business Review

JULY 8, 2013

So far I haven''t been able to get Comcast''s PR people to tell me what the odds of that are, but I did find a 2012 article from Multichannel News that said cable boxes have "an effective life of seven years," and that there are lots of things in them that can be repurposed after that. Customers Strategy Technology'

Market Penetration 8

Market Penetration Industry Telecommunications Strategy 8

Strategy Driven

AUGUST 3, 2012

Branch 2: Environmental, safety, IT systems design and computer software, training for computers and technology, architecture, engineering and legal. Branch 3: Accounting, banking, investments, financial planning, benefits programs, real estate, fund raising for non-profit organizations and investor relations services for public companies.

Review 63

Review Company Strategic Planning Industry 63

Strategy Driven

JUNE 22, 2012

This is not written to take swipes at responsible branding, marketing and advertising. Branding is a sub-set of marketing, which is a sub-sub-set of corporate strategy. Cause-related marketing materials. My analysis: The stock market looks primarily at profits…one small part (1%) of the business picture.

Brand 56

Brand Analysis Advertising Software 56

Harvard Business Review

APRIL 12, 2016

It started in 2012 and grew quickly, taking advantage of Amazon’s spotty service, long shipping times, and poor user experience. All told, such African technology start-ups attracted $186 million in early stage funding last year. Two years ago I wrote a book on what succeeds in frontier markets like Africa.

Company 8

Company NGO Long-term Technology 8

Harvard Business Review

NOVEMBER 9, 2012

Like YouTube in 2006 and Facebook in 2008 , 2012 will go down as the year that online polling joined telephone polling as part of our electoral process. This victory for online technology wasn't a foregone conclusion. The polling companies that actually did include cell phone users did so at an enormous price (between 1.8

Benchmarking 8

Benchmarking Bottom-up Media Survey 8

Harvard Business Review

MARCH 26, 2015

Chief Marketing Officers (CMOs) and Chief Risk Officers (CROs) may seem to have little in common. That has coincided with marketing’s increased influence on strategy, driven by the unprecedented level of insights into customer behavior and trends that are now possible through analytics. Take a customer–life cycle approach.

Credit Scoring 8

Credit Scoring Risk Management Finance Marketing 8