Remove 2015 Remove Discount Remove Finance Remove Marketing
article thumbnail

Zero-Based Budgeting Is Not a Wonder Diet for Companies

Harvard Business Review

ZBB has been around for decades, but is currently enjoying a revival driven by powerful investors like 3G Capital Partners, the force behind the 2015 merger of Kraft Foods and H.J. In another company, commercial discounts was essentially a black box for the finance chief and CEO.

article thumbnail

How Banks Can Compete Against an Army of Fintech Startups

Harvard Business Review

The marketing, underwriting, and servicing of SME loans have largely taken a backseat. New digital entrants have spotted the market opportunity created by these dynamics, and the result is an explosion in online lending to SMEs from fintech startups. Other sectors of retail lending have not fared much better.

Banking 10
Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Companies Collect Competitive Intelligence, but Don’t Use It

Harvard Business Review

The paradox is that companies spend millions acquiring competitive or market “intelligence” from armies of vendors and deploy the latest technology disseminating the information internally. Some estimate the market for market research alone at $20 billion annually. What Did Peter Drucker Really Say?

article thumbnail

Is Your Supply Chain Ready for the Congestion Crisis?

Harvard Business Review

For instance, the average transit times to move containers from the ports of Los Angeles and Long Beach to Chicago grew from 84 hours at the end of 2004 to 120 hours by early 2015. Longer supply chains also increase inventory levels and carrying costs related to financing and warehousing. Insight Center. The Future of Operations.

article thumbnail

Global Companies Need to Adopt Agile Pricing in Emerging Markets

Harvard Business Review

Over the past 18 months, Sergey’s experience has been echoed in offices in Ukraine, South Africa, Turkey, Brazil, and many other emerging markets that have faced substantial currency depreciation due to the drop in commodity prices and the flow of capital to the U.S. Normally, MNCs raise prices in the emerging market, (e.g.,

Price 8
article thumbnail

The H-1B Visa Debate, Explained

Harvard Business Review

It has benefited the tech industry enormously, and other sectors, including health care, science, and finance, have also used it to fill gaps in their workforces. ” (A bill was introduced in 2015 to raise the cap and liberalize other rules around H-1Bs, but died in Congress.) But in April, just after U.S. born engineers.