The Horizons Tracker

AUGUST 1, 2019

Oxford University researchers Carl Benedikt Frey shot to public attention in 2013 when he and colleague Michael Osborne released research in which they predicted that 47% of jobs could be automated within the next decade or so. Mobility support would also help people move to where jobs are.

Technology 64

Technology Short-term Osborne Long-term 64

Strategy Driven

NOVEMBER 7, 2013

The Federal Deposit Insurance Corporation has served as an integral part of the nation’s financial system since its inception in 1933. Nonetheless, the failure and resolution of Texas-based First RepublicBank, reminds us that the hand of government can harm as well as help when it wrestles the invisible hand of the market.

Banking 50

Banking Real Estate Insurance Handbook 50

Chartered Management Institute

DECEMBER 2, 2013

Big Data, and its close cousin the Internet of Things, are among the trendier terms of 2013. It often helps if the executive in charge is not from IT, but from operations or marketing, and that there are close links with customer-facing and other operational roles. They are transforming each and every business model.

Leadership Styles 83

Leadership Styles Human Capital Ethics McKinsey 83

Harvard Business Review

MARCH 25, 2015

Life insurance is – or should be – a central element in most households’ financial planning. Yet life insurance sales have been on a steady decline for years. According to LIMRA , the life insurance industry trade association, the number of individual holders of life insurance in the U.S. years in 2013.

Insurance 8

Insurance Policies Productivity Products 8

Harvard Business Review

OCTOBER 1, 2013

The new health insurance market places—the exchanges set up under Obamacare—have become the hot health policy topic. Vital though near-term effectiveness is, the exchanges hold a longer-term potential—they can help reshape the organization, delivery, and financing of insurance. Will they work or won’t they?

Insurance 9

Insurance Goal Health Care Long-term 9

Strategy Driven

DECEMBER 5, 2013

This year, 2013, marks the 100th anniversary of the Federal Reserve System, and central bankers are taking a historical perspective. As the underwriting weaknesses of subprime portfolios became known, banks stopped lending to each other, paralyzing credit markets. Rockefeller and others to pony up enough cash to stabilize the markets.

Banking 50

Banking Crisis Morale System 50

Strategy Driven

JUNE 19, 2015

Fortunately, companies are becoming more aware that a data integrity insurance system is a necessity and are implementing new technologies into their business processes in order to safeguard against a data breach. Cyber insurance, security and data integrity. EnableSoft serves over 500 corporate clients worldwide. E., & Best, I.,

Software 50

Software Insurance System Operations 50

Harvard Business Review

JULY 17, 2014

When Raja Rajamannar became CMO of MasterCard Worldwide in 2013, he moved quickly to transform how the credit card giant measures marketing. But the real power and full potential of data was not being fully realized by marketing. As an ingredient brand, Intel often struggled to link marketing to P&L impact.

Finance 13

Finance Marketing P&L ROI 13

Strategy Driven

MAY 15, 2013

The market is filled with self-help books promising to propel one’s sales career to the top. In my view, there are three common pitfalls salespeople must avoid to insure maximum results regardless of where they are in their career. Copyright 2007-2013 by StrategyDriven Enterprises, LLC. Self-stagnation. All rights reserved.

Sports 50

Sports Open-book Follow-up Career 50

Harvard Business Review

JULY 2, 2015

Many companies start their search for global growth in an alphabet soup of emerging-market groupings such as the BRIC , CIVETS , MINT , Next 11 , and so on. There are several flaws in using such acronyms as the basis for entering overseas markets. Is that smart? Not really, suggests our analysis.

Marketing 8

Marketing Benchmarking Globalization Construction 8

Harvard Business Review

DECEMBER 14, 2018

Your chosen Porsche is delivered to your house with insurance and maintenance as well as unlimited miles and flips to other models included. This dual distribution strategy resonated with both consumers and investors — as Cree’s stock price tripled from 2011 to 2013. market for personal computers. Minimize Pain.

Strategy 10

Strategy B2B Insurance Business Model 10

Harvard Business Review

JANUARY 20, 2015

Take Japanese insurer Tokio Marine Holdings. Many customers asked for insurance not on a yearly basis but for very short periods for very specific activities. After all, one of the big reasons that insurers sell long term policies is the high up-front cost of selling. Unbundling Existing Value Propositions. Insight Center.

Business Model 8

Business Model Insurance Technology Audience 8

Harvard Business Review

APRIL 14, 2017

For example, our survey, which asked managers of 13 functions, from sales and marketing to procurement and finance, to indicate whether their departments were using AI in 63 core areas, found AI was used most frequently in detecting and fending off computer security intrusions in the IT department. bribes and kickbacks).

Company 12

Company Survey Finance Engineering 12

Harvard Business Review

SEPTEMBER 16, 2016

Data contributes not only to brand equity, but to what constitutes product and service delivery in globally connected and hyper-competitive markets. Between 2013 and 2015 cyber-crime costs quadrupled, with the reported incidence rate growing exponentially.

Intangible Assets 8

Intangible Assets Intellectual Capital Corporate Accountability Activity Based Costing 8

Harvard Business Review

SEPTEMBER 22, 2015

rose by 8 times the general inflation rate in 2013. No wonder health insurance expenses are one of the biggest costs facing many employers.). I believe in the free market and rarely advocate any type of price regulation. prices will be as high as the market can bear. virtually every country regulates prices and the U.S.

Pharmaceuticals 8

Pharmaceuticals Price Budgeting Insurance 8

Harvard Business Review

DECEMBER 6, 2013

Journal writer Dennis Berman begins by citing Kellogg CEO John Bryant, the respected head of a well-run company, who was describing one of its “innovations” for 2013. Organizations that do something genuinely creative, he says, are “market makers”—they create a one-of-a-kind presence, a unique offering, unlike what anyone else can do.

Innovation 12

Innovation Kaplan Insurance Business Model 12

HR Digest

AUGUST 4, 2020

Since its foundation in 2013, it has claimed a considerable user base and an excessive growth with its comprehensive yet homogenous design. It offers solutions including Payroll, Tax Services, Employee Benefits and Compliance, HR Administration, Time and Labor Solutions and Group Health Insurance.

Tools 98

Tools Management Software Compliance 98

Harvard Business Review

APRIL 3, 2017

The company was an eager user of my “cascading choices” framework for strategy that I have used for decades and written about extensively, most prominently in the 2013 book I wrote, with friend and colleague A.G. For example, Uber made a Where to Play choice that included China because it’s a huge and important market.

First-mover Advantage 14

First-mover Advantage Retail Strategy Pharmaceuticals 14

Harvard Business Review

JULY 9, 2014

The marketers of Clearblue Advanced Pregnancy Test, a product that can tell you if you’re one-week, two-weeks, or three-plus weeks pregnant, asked a couple of D-list celebrities to tweet out their positive tests back in 2013. There is nothing new about this kind of segmenting in the pregnancy test market, however.

Market Segmentation 8

Market Segmentation Marketing Insurance Price 8

Harvard Business Review

OCTOBER 13, 2015

As a result, the United States experienced five years of the lowest growth in health care costs ever in the 2009-2013 period — although an uptick in the rate in 2014 raises questions about what it will take to contain costs on a sustainable basis. Insight Center. Measuring Costs and Outcomes in Healthcare. Sponsored by Medtronic.

Health Care 8

Health Care Insurance Price Cost 8

Harvard Business Review

DECEMBER 13, 2013

Technology, marketing, retail, HVAC, construction, and manufacturing pros. billion in 2013 – up about 15% from the year before, according to our 2013 Marijuana Business Factbook. Companies are beginning to expand beyond their home markets and into other states. And more are joining every day. The list goes on.

Industry 10

Industry Retail Banking Brand 10

Harvard Business Review

AUGUST 5, 2014

Instead, the last few years have seen a proliferation of C-suite titles that include a component of marketing. This diversity reflects not only a deepening understanding of the connection between growth and customer satisfaction, but a much greater awareness of what marketing can do to help forge that bond.

P&L 10

P&L Banking Marketing Call Center 10

Harvard Business Review

JULY 24, 2012

This of course helps Cisco, but it's the labor market as a whole that benefits when those individuals acquire skills that will be relevant for the foreseeable future. Last August, they pledged to hire 1,000 veterans and spouses of active duty soldiers by the end of 2013 - a noble commitment.

Discount 14

Discount Training Insurance Education 14

Harvard Business Review

MAY 16, 2017

Described by faculty as “the Hope Diamond among the many gems on staff” when received 2016 and 2013 Staff Excellence Awards. Collaborated with University Facilities, Safety & Risk, Risk Manager; ServPro; and Insurance Adjuster to plan and execute clean-up and equipment replacement. into multiple global markets.

COO 13

COO Chief Operating Officer Transportation Real Estate 13

Harvard Business Review

SEPTEMBER 7, 2015

This anecdote is the opening to The Citizen’s Share , a 2013 book by Joseph Blasi, Douglas Kruse, and Richard Freeman, economists and sociologists at Rutgers and Harvard. For example, if you encourage a company to provide health insurance, it may respond by paying less in salary to keep overall costs unchanged.

Insurance 8

Insurance Incentives Short-term Proposal 8

Harvard Business Review

OCTOBER 30, 2018

That reflects a growing economy that’s offering more full-time employment, but it also shows a generation that may want the same thing as their parents: Steady jobs with a clear advancement track and benefits such as health insurance and paid time off. 2: We’re all going to be giggers. 3: Gig is better.

Quinn 10

Quinn Entrepreneur IPO Survey 10

Harvard Business Review

JUNE 7, 2013

Its approach was the first to align the key actors in the ecosystem in a way that addressed the critical shortcomings — range, resale value, grid capacity — that undermine the electric car as a mass-market proposition. Note to Tesla owners: you are not the mass market). By May 2013 it had sold fewer than 3,000 vehicles.

Mass Marketing 8

Mass Marketing Transportation Depreciation Short-term 8

Harvard Business Review

NOVEMBER 22, 2013

Does anyone dispute that 2013 has been the year of the tech company? Of the 39 companies started since 2003 and valued at over $1B by private or public market investors, almost half were started by founders who met at school. LinkedIn has surged over 100%. I researched many ideas and eventually narrowed it down to one.

IPO 9

IPO Insurance Entrepreneur Self-aware 9

Harvard Business Review

DECEMBER 22, 2014

America’s largest insurer, Allstate, announced plans to invest $1 billion in its India operations. In June 2013, Dallas-based Mary Kay exited from India after six years and over $20 million invested. At the same time Amway and L’Oreal thrived in the same market and personal care sales boomed across most of India.

Venture Capitalist 11

Venture Capitalist Price Marketing Learning-by-Doing 11

Harvard Business Review

AUGUST 23, 2012

These hurdles aren't unique to financial services — insurance, pharmaceuticals, health care and government all face regulation, to name a few examples. Employees, particularly those in the sales and marketing functions, need to know the rules of the road," Langford says. The risks and penalties are real.

Compliance 15

Compliance Media Compliance Officer Policies 15

Harvard Business Review

JANUARY 20, 2016

In the summer of 2013, Rolling Stone published a long article titled “Goodbye, Miami,” which claimed that climate change will submerge much of the titular city. For-profit insurers will write premium contracts that encourage the use of resilient materials and methods. cities to adapt.

Real Estate 8

Real Estate Parcell Incentives Human Capital 8

Harvard Business Review

MARCH 31, 2015

It is true that that breaches are expected and have become a regular cost of doing business, but there are deeper reasons for the market’s failure to respond to these incidents. During the 2013 holiday season shopping period, Target was the object of then the biggest cyber attack on a retailer. The stock price declined 0.3%

Price 8

Price Long-term Banking Short-term 8

Harvard Business Review

JANUARY 12, 2018

Robo-advisors, which were introduced in 2008 , are steadily eating up market share from their human counterparts much the way that Amazon and Netflix have taken share from Walmart and Regal Cinemas. These numbers represent more than three times as much as was invested in 2013. will grow to U.S. $5 5 trillion to U.S. $7 ZB by 2020.

Consultative 8

Consultative Strategy Advice McKinsey 8

Harvard Business Review

JANUARY 26, 2015

When we were aiming to close a small chemical-dependency hospital in 2013, for example, we looked hard into unmet needs in the area. And it’s with employees’ health in mind that we also offer generous benefits: Our insurance, wellness, and employee-assistance programs are more extensive than those of most health systems.

Policies 8

Policies Chemicals Bond Fashion 8

Harvard Business Review

OCTOBER 13, 2014

The global sharing economy market was valued at $26 billion in 2013 and some predict it will grow to become a $110 billion revenue market in the coming years, making it larger than the U.S. While it is easy to categorize business as in line with the free market and progressives as anti-market, the reality is far more nuanced.

Business Model 9

Business Model Hotels Venture Capitalist Transportation 9

Harvard Business Review

MARCH 31, 2016

For years Apple’s market penetration hung in the single digits. Google Android quickly lost market share to the new versions. In 2013, Johnson Controls invited developers to help them build Panoptix, an energy efficiency platform for buildings and office space. Failure to launch the right side.

Participative 8

Participative Software Market Penetration Marketing 8

Harvard Business Review

DECEMBER 6, 2016

This means self-driving cars have shifted from a period of wild experimentation directly to market adoption — what Paul Nunes and I describe in our 2013 HBR article as “big bang” disruption. Harnessing the power of machine learning and other technologies. ” But the law of smart vehicles isn’t all reactive.

Transportation 8

Transportation Technology Software Supply Chain 8