Strategy Driven

SEPTEMBER 18, 2019

If you are operating a start-up, you may face problems with managing the cash flow of your business efficiently and may have to rely on working capital loans. Instead, they pay for the operational costs of a business and is a good indicator of the short-term health of the business.

Working Capital 11

Working Capital Credit Scoring Long-term Short-term 11

Harvard Business Review

AUGUST 16, 2016

InVenture, a fascinating new startup operating in Africa, is turning incidental data on smartphones into credit ratings that allow base-of-the-pyramid customers access to loans and other financial products. Is there any incidentally produced data (such as keystrokes, or location data) that could be valuable when assembled?

Competitive Advantage 8

Competitive Advantage Credit Rating Short-term Long-term 8

Harvard Business Review

JULY 11, 2013

It appears that Enron''s final fatal mistake was to try to support its stock price instead of living up to key contractual obligations required to maintain its credit rating. What caused Enron''s bankruptcy was, quite simply, the loss of its investment-grade credit rating. What caused Enron to go bankrupt?

Price 8

Price Credit Rating Finance Chief Financial Officer 8

Harvard Business Review

JULY 8, 2016

This still renders Turkey as a good base of operations for many international businesses that are invested in the Middle East, Balkans, and the Caucasus – inherently high-risk areas. Turkey’s general credit rating is still higher than that of Brazil, Croatia, Portugal, Cyprus, and Serbia.

Tourism 10

Tourism Politics Uncertainty Price 10

Harvard Business Review

SEPTEMBER 21, 2012

Businesses operate in more spheres than ever — in-store, in-person, telephonic, web, mobile, and social channels. The idea is that direct driving behavior over time will be more predictive than traditional proxies such as age, credit rating, or geography. How are we going to coordinate multi-channel data?

Insurance 15

Insurance Team Credit Scoring Retail 15

Harvard Business Review

JANUARY 17, 2012

From Bernie Madoff to derivatives to the housing bubble to dubious AAA credit ratings, we continue to find new ways to encourage people to make financial leaps of faith. As the Ming dynasty shows us, a properly operating financial system is both symbolic and symbiotic. In the end this money did become worthless.".

System 15

System Crisis Credit Rating Banking 15

Harvard Business Review

APRIL 1, 2014

These hacks are things like badges, diplomas, dress codes, and, as it happens, credit ratings. Sam introduced me to a useful way of thinking about these intermediaries, what he called social “hacks.” Workarounds. Approximations.

Social Capital 8

Social Capital Credit Rating Reputation Learning-by-Doing 8

Harvard Business Review

AUGUST 10, 2011

From falsified mortgage applications and bundles of toxic mortgages, to incorrect credit ratings and balance sheets that couldn't be trusted, the financial crisis is as much about bad data as it is about unfettered greed. Unfortunately, reputational risk is only the tip of the iceberg when it comes to bad data quality.

Health Care 15

Health Care Credit Rating Reputation Quality 15

Harvard Business Review

NOVEMBER 6, 2014

In this worldview, disasters only happen because the rules of the game in which the businesses operate must be flawed. Partly because profit maximization is a bedrock assumption and partly because maximization is a basic mathematical tool, economists have trouble dealing with firms that are not maximizing profits.

Management 8

Management Crisis Porter Credit Rating 8

Harvard Business Review

NOVEMBER 6, 2014

In this worldview, disasters only happen because the rules of the game in which the businesses operate must be flawed. Partly because profit maximization is a bedrock assumption and partly because maximization is a basic mathematical tool, economists have trouble dealing with firms that are not maximizing profits.

Management 8

Management Crisis Porter Credit Rating 8

Harvard Business Review

MAY 17, 2017

It could create hyperefficient government with provably trustworthy infrastructure; new markets and opportunities for citizens to access the formal economy on equal terms; efficiencies of operations that lower prices and improve the quality of goods for all consumers; and a kickstart to high-tech innovation around the world.

Marketing 8

Marketing Technology Banking Efficiency 8

Harvard Business Review

DECEMBER 6, 2016

In fact, the vast majority (95%) of MSSP ACOs are still operating in a largely fee-for-service payment model, working for bonuses for lowering costs, but assuming no downside risk. It will be impossible for providers to succeed while operating both fee-for-service and value-based models, and so health insurers should move in lockstep.

Health Care 8

Health Care System Insurance Quality 8