The Cyber Insurance Market Needs More Money
Harvard Business
MARCH 10, 2022
Securities could help give insurers the breathing room they need to keep growing — and meet customers’ mounting needs.
Finance Insurance Marketing 
Your Complete Guide to Subcontracting as an Independent Consultant
Successful Independent Consulting
JANUARY 28, 2025
strategy development, market research, transformation initiatives). On-Demand by RGP : Specializes in operational and implementation support; projects tend to be longer-term roles focusing on functional expertise like accounting, finance, HR, IT, and supply chain. boutique firms digital marketing Atlanta").
Cash Flow 
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Blockchain Could Make the Insurance Industry Much More Transparent
Harvard Business
JULY 12, 2017
While Edward Lloyd is largely credited with commercializing the insurance industry, with the creation of his namesake firm, Lloyd’s, over 330 years ago, the original concept of spreading risk (or “mutualizing”) goes back even further. Herein, as with all insurance, is where the concept of utmost good faith is laid bare.
Insurance 131
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Effective Manufacturing Operations Management in 2024
Epicflow
AUGUST 30, 2024
Supply chain management aims to regulate the flow of materials, information, and finances across the entire supply chain. This practice increases supply chain efficiency, makes it cost-effective and responsive to market changes. Supply chain management. Maintenance management. Train Employees.
Operations 204
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How the Insurance Industry Can Push Us to Prepare for Climate Change
Harvard Business
AUGUST 28, 2017
It might seem, then, that private insurance can be of little help in addressing climate change. There’s concern that for-profit insurers won’t want to insure risky properties, and that individuals won’t have the wherewithal to buy insurance plans in the first place. Dating back to at least F.
Insurance 129
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Finance Can Be a Noble Profession (Yes, Really)
Harvard Business
JULY 17, 2017
When I ask students graduating from Harvard Business School what they’re doing next, I often get some version of “I’m going into finance but…” Then they quickly explain that finance is just a way station on the route to nobler goals. And it is truly fascinating.
Finance 71
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From Lab to C-Suite: The Future of Life Sciences Consulting
Tom Spencer
JANUARY 31, 2025
The global life sciences consulting market is expected to grow by around 10% per year from 2024 to 2029. Within life sciences consulting, there are a wide range of project types, including product lifecycle management, new product development, market entry strategies, mergers & acquisitions, and regulatory compliance.
Marketing Analytics Can Improve the Customer Experience - SPONSOR CONTENT FROM GOOGLE ANALYTICS 360 SUITE
Harvard Business
AUGUST 9, 2016
Read more from Google Analytics 360 Suite: Rethinking Marketing Measurement from the Ground Up. 3 Ways Marketing Organizations Can Make Data More Actionable. Marketing can look at this data and decide to test a hypothesis: Is that color product selling best because it’s in an image featured on the homepage?
Marketing 108
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Liquidity Insurance
MishTalk
JANUARY 23, 2014
per cent in the 12 months to October, according to Factset, a market data company that compiles a consensus of analysts’ forecasts. Nick Nelson, an equity strategist at UBS, said: “ Chief executives and chief financial officers have been battle-scarred by 2008-09, when they couldn’t get financing when they wanted it.
Insurance 62
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Oliver Wyman interview preparation: the inside story
Management Consulted
AUGUST 1, 2013
Now a subsidiary of Marsh & McLennan, Oliver Wyman is known to give MMC its strong reputation as experts over other insurance providers because of the firm’s focus on strategy. Oliver Wyman’s CEO, John Drzik, states that the long-term aspiration is to be recognized widely in the market as the gold standard in consulting.
Oliver Wyman 201
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China Faces "Minsky Moment" on Ponzi Financing
MishTalk
MARCH 21, 2014
Inquiring minds are tuning into a report on the Ponzi finance setup in China. We have described in detail over the past two years how we believe China’s twin excesses (excessive investment funded by excessive debt) will inevitably unwind, causing a substantial slowdown in China’s economy, significantly below market expectations.
Finance 73
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How the Financial World Adapts to Climate Change
Tom Spencer
OCTOBER 16, 2021
Knowing the ins and outs of upcoming trends in finance is indispensable for any aspiring consultant. A prime example for such a question is how finance is adapting to the issue of climate change, and might assist its mitigation. Green Finance. For instance, the payout might increase with the wind speed recorded for a hurricane.
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How Blockchain Is Changing Finance
Harvard Business
MARCH 1, 2017
Given the promise and peril of such a disruptive technology, many firms in the financial industry, from banks and insurers to audit and professional service firms, are investing in blockchain solutions. After all, how do you cut cost from a business or market whose structure has fundamentally changed? Insight Center.
Finance 70
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Why CEO’s Hire Consultants and Coaches: The REAL Value They Bring with Brad Rex
Consulting Matters
APRIL 13, 2023
Brad had an unconventional start to his career after meeting his boss's boss while studying finance at college. During his twelve-and-a-half-year tenure, he worked in finance and strategic planning before taking over as leader of Epcot theme park on the week of 911, 2001.
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How Leading Companies Build the Workforces They Need to Stay Ahead
Harvard Business
SEPTEMBER 6, 2017
New innovations will change the basis of competition in many markets and alter the sources of advantage for most companies. Take insurance, for example. In years past, an important source of competitive advantage for insurers was the ability to price risk better than rivals. Most companies have been slow to react.
Company 143
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How To Pitch A Disruptive Business Plan
Tom Spencer
DECEMBER 9, 2017
The Maintech Summit at the Frankfurt School of Finance and Management (co-sponsored by Excon , a local start up instigator) is the first real academic-based “shark-tank” environment for disruptive start-ups in Frankfurt. The concept of medical cannabis covered under health insurance has just become law in Germany. Blockchain 2.0
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121 How Companies Are Already Using AI
Harvard Business
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).
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The GOP’s Wellness Bill Would Give Employers Too Much Power
Harvard Business
MARCH 15, 2017
For example, if an employee costs $5,000 to insure and a family costs $10,000, the 30% cap on penalties increases from $1,500 to $3,000. ADA and GINA, which prohibit use of genetic and family history information for hiring, firing, or underwriting insurance coverage, would no longer apply to wellness programs.
Insurance 118
118 Using Cartoons to Get Attention in Emails
The Fearless Marketer
APRIL 15, 2019
Here’s the opening of an email to executives in the Insurance Industry interested in increasing sales: We’ve all seen this opera a thousand times: Yes, insurance salespeople have been the victim of vicious stereotypes. This opening relies on the stereotype of the obnoxious insurance salesperson. Don’t forget to have fun.
Insurance 88
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Why consulting?
Management Consulted
OCTOBER 3, 2012
market for latex condoms. Recently, Mayer Laboratories sued Church and Dwight, Trojan’s parent company, for illegally monopolizing the market. It requires a broad knowledge and a high-level, big-picture understanding of the company and its markets. My group chose to examine the U.S. This left me with few options.
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The Most Desirable Employee Benefits
Harvard Business
FEBRUARY 15, 2017
In today’s hiring market, a generous benefits package is essential for attracting and retaining top talent. Better health, dental, and vision insurance topped the list, with 88% of respondents saying that they would give this benefit “some consideration” (34%) or “heavy consideration” (54%) when choosing a job.
Insurance 134
134 The Fundamentals of Leadership Still Haven’t Changed
Harvard Business
NOVEMBER 7, 2018
The challenge, she said, was that these managers were highly proficient in their own disciplines such as finance, marketing, research, clinical care, and insurance reimbursement — and had demonstrated that they could manage people in these areas — but she needed them to be “bigger” leaders.
Leadership 132
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The Transformative Power of AI in Business
Tom Spencer
JUNE 9, 2023
For example, in industries like finance and accounting, AI-powered systems can process invoices, perform data entry tasks, and generate financial reports with minimal human intervention. This data-driven approach can enhance agility and enable businesses to respond in real time in rapidly changing markets.
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Why Life Insurers and Asset Managers Must Join Forces to Win
BCG
DECEMBER 15, 2016
Article Thursday, December 15, 2016 Life insurers are feeling the squeeze. Yet that income stream is weakening, as low-risk investment yields dip toward 0% and central banks continue to drain the bond markets. As each side of the business jockeys to promote its own agenda, a life insurer can quickly lose sight of its long-term goals.
Insurance 40
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Biometrics Won’t Solve Our Data-Security Crisis
Harvard Business
DECEMBER 6, 2017
For instance, based on your credit score, profession, age group, or zip code, marketers infer that you fit into specific marketing demographics. Perhaps the extrapolated marketing use points to a heavy drinker in a desirable economic demographic or with a preferred liquor brand.
Data 113
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How Banks Can Compete Against an Army of Fintech Startups
Harvard Business
APRIL 26, 2017
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 133
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Small and Young Businesses Are Especially Vulnerable to Extreme Weather
Harvard Business
NOVEMBER 23, 2016
Almost one third of the firms negatively affected by the storm had no insurance of any Consistent with our predictions, young firms and small businesses insured at much lower rates. Firms applied for credit to finance recovery. Here are some initial priorities for small businesses, insurers, and public policymakers.
Insurance 70
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The Far Reaching Impact of Blockchain
Tom Spencer
JANUARY 7, 2017
Blockchain technology has been applied in the finance industry in the payments space. However the technology has many other uses – starting with the ability to better monetize alternative energy to the digitisation of insurance contracts. For example, Customer A authorizes payment to buy a convertible bond.
Insurance 74
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The Corona Virus for Small Businesses
Consultant Journal
MARCH 5, 2020
Think about what’s actually needed for your sales and marketing : Wave or nod instead of shaking hands. Consider arranging financing ahead of time, as part of business continuity preparations. If you haven’t already, you may want to look into business continuity plans and insurance.
Small Business 114
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Top 10 Consulting Firms in Boston
Management Consulted
JULY 2, 2017
The Boston office was the originator of concepts such as the experience curve, the portfolio concept, time-based competition, and segment-of-one marketing. The industry focus in Boston is on Financial Services, Wealth & Asset Management, Banking & Capital Markets, Insurance, Technology, Life Sciences & Health, and Private Equity.
Oliver Wyman 72
72 Obamacare Fraud Free-For-All Now Underway; "ObamaMarket" Enrollment Starts October 1
MishTalk
SEPTEMBER 11, 2013
Finance Exchange says Obamacare Could Be a Fraudsters’ Free-For-All. Have any idea where to find a health insurance exchange? The proper response to fraudulent marketing, of course, is to hang up, delete or slam the door and then contact the FTC. they need insurance, and help enroll them in Obamacare if necessary.
Insurance 69
69 Bogus Audited Statements Are Holding Africa Back
Harvard Business
AUGUST 22, 2016
The Great Recession revealed one of the weakest links in Africa’s quest to build strong capital markets — bogus audited statements. After the fall of Lehman Brothers, the cascading dominoes spread around the world crippling markets and decimating companies.
Insurance 70
70 
Helping "Qualified" Buyers: Fannie, Freddie Detail 3%-Down Payment Mortgage Program
MishTalk
DECEMBER 8, 2014
Housing finance giants Fannie Mae and Freddie Mac on Monday detailed plans to once again back mortgages with down payments as low as 3%, saying the move to make home ownership more accessible contains safeguards to protect against abuses that led to the subprime housing market crash.
Insurance 69
69 Asset Management – Industry Overview (Part 1 of 4)
Tom Spencer
MAY 18, 2019
These asset classes can include public equities/stocks, fixed income/bonds, money markets, commodities, infrastructure, real estate and alternative strategies – including hedge funds, private equity and venture capital. As such, asset manager performance tends to be correlated with stock market performance. Franklin Resources.
Industry 113
113 IMF Proposes Eurozone Fiscal Union, Banking Union, Harmonized Employment, Common Unemployment Scheme, Firewall Tax
MishTalk
SEPTEMBER 27, 2013
The tighter control over public finances of each country, which occur revenues and expenditures, is the condition of these forward-looking statements, both from the point of view of the IMF and Brussels. But there is much work ahead for something like a common shutdown could crystallize into a eurozone labor markets as diverse. "A
Banking 68
68 Mobile Phones Promise to Bring Banking to the World’s Poorest
Harvard Business
APRIL 4, 2016
” These services include the ability to deposit and withdraw their earnings, transfer money to friends and family, open and manage savings accounts, and insure their businesses. Consider, for example, a young working mother in the fast-growing mobile market of Pakistan. But then a drought hits, and his crops fail.
Banking 70
70 
China Cash Crunch Eases, For How Long? Three Things China Needs to Avoid; When can Beijing Truly move to Market-Determined Interest Rates?
MishTalk
DECEMBER 26, 2013
China''s Move to Market-Set Rates Let''s step back to December 8 and look at China Relaxes Grip on Interest Rates China is relaxing its grip on interest rates with the launch of a financial instrument that allows banks to trade deposits with each other at market-determined prices. China’s credit boom is still in full swing.
Fintech Companies Could Give Billions of People More Banking Options
Harvard Business
JANUARY 20, 2017
Encouraged by the dramatic increase in the number of people with mobile phones in the developing world, new fintech players are attempting to disrupt the existing financial order in these markets: the money lenders and informal remittance services that often have been the only option for much of the population.
Banking 70
70 
Target Drops Healthcare Coverage for Part-Time Workers, Claims No Reduction in Hours; Thank Your Employer?
MishTalk
JANUARY 22, 2014
Effective April 1, Target to Drop Health Insurance for Part-Time Workers. Even though it is not effective yet, it is already having an effect on the job market and putting companies where they would probably not otherwise want to be.” Finance says You May Want to Thank Your Employer. Today, Target, the second-largest U.S.
Healthcare 69
69 IBM Consulting Interviews: Navigating the IBM GBS Maze
Management Consulted
OCTOBER 18, 2013
IBM’s target market for consulting services became the clients who were willing to pay for higher-value corporate services packages of research, software and services. Finance Risk. Marketing Sales & Service. Financial Markets. Areas like finance, accounting, communications, HR and marketing.
IBM GBS 203
203 Writing Your Résumé When Your Job Title Doesn’t Reflect Your Responsibilities
Harvard Business
MAY 16, 2017
Collaborated with University Facilities, Safety & Risk, Risk Manager; ServPro; and Insurance Adjuster to plan and execute clean-up and equipment replacement. Meghna has been COO of a small market research company since she earned her MBA several years ago. into multiple global markets. Expand from U.S.
Transportation 134
134 Controversy in Detroit: What's a Fair Settlement of Bondholder and Pension Obligation Claims?
MishTalk
FEBRUARY 4, 2014
And in the view of bondholders, bond insurers and other financial institutions, it only grew worse last week after the city circulated its plan to emerge from bankruptcy and filed a lawsuit on Friday. Orr, seeks to invalidate complex transactions that helped finance Detroit’s pension system in 2005.
Insurance 68
68 
What Spinning Off a GE Business Taught Me About Managing Ultra-Fast Change
Harvard Business
JULY 24, 2017
So four years ago, when I was CEO of GE Capital Retail Finance and tapped to lead a mega change initiative — splitting off our unit into a new, publicly traded company, Synchrony Financial — I’ll admit I viewed it as a huge challenge. Would our health insurance programs include their doctors and hospitals?
Management 130
130 Russia Debt One Grade Above Junk With Downgrades Coming, How Likely is Default?
MishTalk
DECEMBER 27, 2014
Anton Siluanov, finance minister, said state-owned VTB, the second-largest lender by assets, could receive Rbs100bn before the end of this year and another Rbs150bn in 2015, while Gazprombank could be allocated Rbs70bn. The central bank said that the state-run Deposit Insurance Agency would provide Trust Bank with up to Rbs99bn.
Banking 70
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