Ultimas Notas

I2CREDIT Nº 16

Cents and sensibility: why marketing to multicultural consumers requires a subtle touch

In an era of globalization and fluid national borders, advertising that appeals to cultural and ethnic identity has become a vital part of the corporate marketing arsenal. But new research co-developed by Wharton shows how ethnic-oriented marketing can backfire and even turn multicultural consumers against a product or service, as three marketing professors explain in a paper titled, "Bicultural Identity and the Dark Side of Targeting."(...)

Por: Wharton.universia.net

Strategy consultants need some new ideas

Good news for McKinsey. International Power, the electricity generator, said last week that it was bringing the consultancy in to offer advice as part of its annual strategy review. IP has to decide whether to proceed with a merger, perhaps with GDF Suez of France, or to continue going it alone(...)

Por: Stefan Stern - Financial Times

Errors of judgment and not enough homework on risk

One of the factors behind the extraordinary number and increasing size of financial crises over the past three and a half decades is moral hazard – the notion that providing a safety net for the banking system in a crisis simply encourages more risk taking, much as the existence of car insurance leads people to drive less prudently than they might otherwise do. The proposition seems unassailable. Yet the workings of moral hazard in financial markets are more complex than often assumed(...)

Por: John Plender - Financial Times

Eight big ideas for small business

Credit is tight and customers scarce: it takes a little magic to maintain momentum.
It is a good thing that Roger Dreyer has a passion for magic. Over the past 18 months, the 48-year-old tried nearly every trick in the book to find the expansion capital he needed to grow his business, Fantasma Toys Inc. He turned to traditional bank lenders for working capital, with no luck. Even though he had a backlog of orders from the likes of Costco and Toys "R" Us for his firm's specialty magic sets, the deep recession made credit disappear(...)

Por: Lori Ioannou - Time Magazine

Seller as Lender Mortgages

FOR most home sellers, their ties to a property end at the closing. But for a few others the attachment can continue on for years, because they also assume the role of banker(...)

Por: Bob Tedeschi - New York Times