Harvard Business Review

APRIL 26, 2017

It’s been more than 25 years since Bill Gates dismissed retail banks as “dinosaurs,” but the statement may be as true today as it was then. Banking for small and medium-sized enterprises (SMEs) has been astonishingly unaffected by the rise of the Internet.

Banking 12

Banking Stage-Gate Credit Scoring Competitive Advantage 12

Harvard Business Review

JUNE 22, 2016

A new type of services company could transform global supply chains: Financial technology companies that act as intermediaries in facilitating transactions between a company and its suppliers. The use of FinTechs allows suppliers to access funding at the multinationals firm’s lower cost of capital.). Insight Center.

Supply Chain 11

Supply Chain Cost of Capital Transportation Finance 11

Harvard Business Review

APRIL 16, 2012

Strategic cash also can be used to finance long-term reinvestment programs in the business—which is especially valuable to companies in capital-intensive industries (e.g., high technology or pharmaceutical) that are investing in projects with uncertain long-range payoffs. energy or telecom) or research-intensive industries (e.g.,

Company 13

Company Cost of Capital Finance Long-term 13

Harvard Business Review

AUGUST 27, 2015

Companies in the top one-fifth of profitability earn, in aggregate, about 70 times more economic profit (accounting profit less cost of capital) than those in the middle three-fifths combined, according to McKinsey’s database of 3,000 large, publicly listed, nonfinancial U.S. This underinvestment has a real cost to U.S.

ROIC 8

ROIC McKinsey GDP Company 8

Harvard Business Review

JUNE 27, 2012

A list of the top 20 banks today contains only seven that were on the list a decade ago. Did it seem "creative" to Nokia shareholders when the company missed the smart phone wave despite having some of the early technology? real revenue and profit growth and earning their cost of capital has steadily declined.

Creativity 14

Creativity Long-term Kotter Cost of Capital 14

Harvard Business Review

SEPTEMBER 4, 2017

Others, such as ANZ, the Australian-based banking giant, have committed to adopting Agile at scale in less than a year, following some of the proven practices used by Spotify , the music streaming company. This is why we believe that human capital, not financial capital, is often your scarcest resource.

Human Capital 15

Human Capital Kaizen Agility Energy 15

Harvard Business Review

MARCH 1, 2017

To wit, 45% of financial intermediaries , such as payment networks, stock exchanges, and money transfer services, suffer from economic crime every year; the number is 37% for the entire economy, and only 20% and 27% for the professional services and technology sectors, respectively. Most firms cite opportunities to reduce friction and costs.

Finance 8

Finance IPO Banking Venture Capitalist 8