Over the past century we have gone through three globalizations. The first, in the years before World War I, was based on mass commodities and infrastructure investments. The second, which only outstripped the first wave of globalization beginning in the 1980s, focused on mass manufactured goods and the capital equipment. Now, we are entering a third stage of globalization – one that is layered on dimensions of the prior two – in which the center of profitability has shifted toward the retail interaction. This trend is called “Global Retail”, or, less euphonically, “globalization”. The goal of this assignment is to see how a successful European retail banking organization confronts the opportunities and challenges of globalization. Therefore, the article focuses on how they make their loans and tries to find the differences between their strategies, which appear to be well suited to the fragmented regulatory market in Europe, and the U.S. model of consumer lending.
Attached you will see the Santander Harvard Case, which you must read in order to answer the questions above.
Also attached there is a guide on how to create a good case analysis
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