I Sverige råder det hög konkurrens och låg kundrörlighet på bankmarknaden samtidigt som många banker har dålig kunskap om vad de ska erbjuda för att locka till sig nya kunder. Ett specifikt segment som Swedbank är intresserade av att locka till sig är universitetsstudenter. I dagsläget erbjuder Sveriges stora banker enbart klassiskt finansiella mervärden till dessa studenter. Detta innebär att bankerna inte särskiljer sig, vilket i sin tur gör att studenterna inte lockas till att byta bank eftersom samma mervärden redan erbjuds hos deras nuvarande banker. Därmed finns det en möjlighet att utforska nya mervärden som en student kan tänka sig att byta bank för.

This thesis has enlightened how consumer behavior is when buying clothes via the Internet and the problems and difficulties that could face the companies. This study was conducted through interviews with people that have bought clothes through the Internet, traditional catalogues and real stores. The conclusions showed that the Internet is as suitable as traditional catalogues for buying clothes. Another dimension were put to the aspect of availability to a virtual mall in the design of the catalogues. Finally, it is in the best of the e-business companies interest to study how e-catalogues should be structured and designed for the consumers..

This essay is an ideographic study over the capacity of high school students to use the Internet with source criticism, and their attitudes towards this media. It?s a qualitative study whose main purpose is to seek out how the students reflect upon the problems facing them when searching facts and information over the internet.The focus group is six 18 year old high school students, who are studying in a normal sized town in the middle of Sweden, and are about to finish their studies in the program for social sciences. The study was made through interviews, one on one with the students,The results of the analysis have shown that even if students not necessarily use a pre meditated method when searching for information over the internet, they do have a basic understanding of the matter, especially concerning the nature of the source, who published it and why. Not all students made any thorough comparison with other, already established media, such as TV or books, but the analysis made it clear that they more or less deliberately saw the established media as more trustworthy in general.

Since the middle of the 1980´s the Swedish bank market has experienced a change concerning structure and pressure of competition. Before the year 1985, the market was characterized as a market with few operators but have changed to a market with many operators and seen as one of the most intense in Europe where the four major banks; Nordea, Handelsbanken, SEB and Föreningssparbanken together have a strong position. Their market share has recently decreased, mostly for the benefit of foreign banks and niche banks. The Swedish market has experienced difficulties in generating profits which mostly depends on new establishments that have increased the pressure on competition, a low growth as well as weakened customer relations. The development has resulted in a growing importance of market segmentation, mainly by the fact that costumers have become more disloyal as a result of the increased competition.Students are a market segment of interest for the financial market, mainly because of the expectations of their positive financial situation in the future.

Title: Female leaders within the bank sector. Level: D-level in Business Author: Emma Roos & Fanny Wiklander Supervisor: Maria Fregidou-Malama Date: 2011 ? January Aim: The aim of this study is to examine which factors are behind the low number of female leaders compared to male leaders within the bank sector. Method: We have adapted a qualitative method. This means that the researcher works close to the object of research and tries to understand it. We believe that this is a suitable method for our study since it?s based on seven personal interviews.

The new accounting standards IFRS and IAS was implemented in January 2005, the purpose was to harmonize accounting standards world wide. As a result of these new rules the real estate companies are allowed to appraise real estates assets at market value. It has long been debated whether this appraisal fulfils the requirements for relevance, reliability and comparability.The paper attends to how banks control the information given by the real estate companies in the process of credit granting. As an introduction we describe the purpose of accounting and the problematic´s about appraisals with market values. Further on there is a discussion on which factors are taken into consideration when banks grant credits.The study is built on interviews at three different commercial banks.

De som idag saknar möjlighet att tillägna sig kunskap om hur en dator fungerar, riskerar att hamna utanför hela den demokratiska processen. Problemet med modern teknologi är att man i de flesta fall måste veta hur den fungerar för att kunna tillgodogöra sig dess funktion. Genom intervjuer och enkäter ger undersökningen indikationer på hur äldre människor över 55 år (seniorer) nyttjar datorer och Internet (IT)..

Relationship Marketing - will banks be able to handle higher consumer mobility in the private market?The purpose of this paper is to gain an understanding of the factors that affect customer loyalty to the bank. Consumer mobility will probably increase as a result of political changes and pressures on the private banking market to become more competitive. This study was carried out using semi-structured interviews and were transcribed and analyzed with the help of models and theories centered on relationship marketing. The theories describe loyalty, the customer lifecycle and relationships between customers and organizations.

I dagens multinationella och hektiska samhälle ställs allt högre krav på de faktorer som knyter den enskilde individen närmare gemensamma nätverk. En mycket viktig resurs och kanal inom detta informationssamhälle är Internet. Kanalen Internet är en informationskanal som erbjuder ett snabbt och enkelt sätt att kommunicera med andra människor och organisationer. Såväl storstadsmänniskan som landsbygdsbefolkningen vill ha en snabb och smidig anslutning till Internet. Dagens landsbygd och dess invånare kommer att via den expansiva utbyggnationen av bredbandsnätet i Sveriges kommuner att bli erbjudna en snabb uppkoppling mot den globala värld och miljö som Internet är.

ABSTRACTPurpose/aim: The aim of this essay is to make a comprehensive study of the phenomenon of net dating, both among those who have dated on the internet and among those who haven?t tried it at all. Key questions to be answered are what attitudes are associated with net dating? How do the attitudes differ between those who have tried compared to those who haven?t? What kind of positive and negative aspects is there with net dating? Are there any prejudices against net dating and ? if so, what kind of prejudices? How does the future look for net dating?Material/method: Qualitative method with eight interviews divided into two groups depending weather the person has tried net dating or not.Main results: The study shows that net dating is a phenomenon that will continue to grow and attract more users. The most significant result from the interviews are the different prejudices that are articulated.

The purpose of this examination is to get a view of the attitude towards internet-use within after school centers. By comparing the views of pupils with the teacher?s point of view, one can notice differences that may be due to a lack of knowledge or communication. The questions are: What view does the principal, the staff, and the pupils have on internet-use in after school centers? Does their view differ? If so, how? To be able to respond to these questions, the pupils and the staff have been handed surveys and the principal has been interviewed.

According to Nosti (2012) banks target youths to find new customers by giving them special offers such as debit cards from a relatively early age. However, Moschis and Churchill (1979) point out that age can affect the level of knowledge in the consumer. Therefore, this essay focuses on youths as consumers. Specifically, youths? awareness of security risks in using bank tools such as debit cards or internet banks was studied.

Denna uppsats avser lämna ett bidrag till en ökad kunskap om vilka terroristorganisationer som finns publicerade på Internet, vilka syften organisationerna har med denna publicering samt att se om det finns några paralleller mellan olika kategorier av terroristorganisationer..

Syftet med uppsatsen är att undersöka om det finns några skillnader mellan svenska och amerikanska bankers årsredovisningar när det gäller kapitaltäckningsreglerna. För att kunna undersöka syftet har jag har undersökt fyra svenska bankers och fyra amerikanska bankers öppenhet i respektive årsredovisning. De banker jag använt mig av är Nordea, FöreningsSparbanken, Handelsbanken, Skandinaviska Enskilda Banken, Bank of America, JPMorgan Chase Bank, CitiBank och the Bank of NewYork. Öppenheten i respektive banks årsredovisning undersökte jag genom att göra en innehållsanalys över kapitaltäckningsreglerna. Dessutom har jag gjort en undersökning för att se om det finns något samband mellan öppenheten och bankernas karaktäristiska.

Studies have shown that mergers and acquisitions often fail and that a reason to this might be that investment banks do not take any responsibility for the post merger integration. Despite this there have been no studies of the potential benefits of an investment bank taking a holistic approach to the M&A-process and including post merger integration in its service. This study identifies a couple of investment banks that does this and calls them holistic investment banks. In M&A-theory a successful process is often described according to so called success factors that need to be fulfilled in order to achieve a successful result of the merger or acquisition. The business model and work approach of one holistic investment bank is analyzed in this case study on the base of seven success factors from established theories.