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.

Our thesis focus on how retirees perceive Tv4s news casts of economy news where we focused on five different aspects: What is the relationship between the news cast and the viewer and how does the viewer express their understanding of the news cast and the way it is constructed? What are the viewers attitude towards the news content and how do they find the news cast useful for them personally?We choosed retirees as our target group due to their vulnerable economic position in today?s society and TV as an important medium for them due to the digital divide. The study was performed with twelve qualitative interviews and one group interview where six retirees took part.We discovered a big interest for economic news in the target group. The majority had a sympathetic view of the news cast they saw but they also expressed skepticism toward the economy segment and/or news castings. The majority expressed a lack of trust for the journalists and the experts brought in to share observations and make announcements, and the financial business overall.

In this essay I have tried to present the ideas and thoughts of the Swedish author Rolf Edberg (1912-1997), journalist, ambassador and county governor. By many regarded as an environment philosopher and the introducer of deep ecology into Sweden. The essay emphasizes Edberg as a modern renaissance man of important knowledge with a rhetorical force to present and generalize the problems the planet Earth is meeting. The paper compares him with Henry Thoreau but also finds a close but perhaps unintended relationship with the German philosopher Ernst Haeckel although Edberg himself claimed to be a Darwinist at heart.The essay stresses on four characteristic features in his authorship namely 1) a holistic view of nature and man, rejecting dualism for monism; 2) a cosmic relationship within the whole universe and also between organic and inorganic matter; 3) the planet Earth is in a crisis due to an uneven and unjust distribution of the resources of the Earth, the nuclear weapon threat and the overpopulation; 4) the evolution and not the religion has the answer to our existential questions..

This thesis aims on adding another piece to the puzzle that is the supplier relationship research. Taking its base in a series of articles regarding the transformations of global supply chains into more long-term profitable ones. Two research questions are presented, one regarding long-term supplier relationships and one regarding the main criteria?s while evaluating new suppliers. With an emphasis on the long-term relationship and profitability are five medium sized Swedish manu-facturers examined through semi-structured interviews.

Human Resource Management (HRM) consultants are becoming more common. Simultaneously there is a lack of HRM in small and medium enterprises (SME?s). SME?s states neither to afford, nor have the time to perform HRM in their business.This thesis is a Working Scholarly essay based on qualitative method, based on ten semi- structured interviews.

This essay is about two Swedish folk musicians, Anders Rosén and Leif Stinnerbom, who have been playing two important rolls in the developing process of Swedish folk music, on their separate ways. The main part of this work is focused on the era called ?The Folk Music Vogue?, which was the era when my informants were in the limelight on the Swedish fiddler scene of the 70s.Our music culture is constantly lying under the change of progress and I find it interesting to reflect how these kinds of changes are affecting the role of the musician.In this essay I am reflecting on the different perspectives of the musicianship according to my informants and how they both are referring to their role as musicians. The purpose is further on to see how they have been relating to the change of progress on the field of the Swedish folk music during the 70s and up to this date. Throughout interviews with the informants I am analyzing their personal relationship to their life as folk musicians.

After a series of corporate scandals around the world the trust in the business world was damaged, probably most in the United States but also in Sweden. Voices were raised for an increase in the openness and insight into the affairs of the company whereupon different corporate governance codes were developed in a majority of countries. A Swedish corporate governance code was issued in December 2004 with the purpose to re-establish the damaged trust for the companies and the business world. The Swedish code was accepted by the Stockholm Stock Exchange as an exchange rule for A-listed and larger O-listed companies as of July 2005. The purpose of this essay is to study how the Swedish corporate governance code in fact leads to an increase in trust in the stock market and to study the companies? attitudes towards this code.To fulfil the purpose of this essay, the authors have carried out a survey among the concerned companies where the companies? attitudes towards the Swedish code were collected.

Inom Business Intelligence har begreppet Self-Service Business Intelligence (Self-Service BI) vuxit fram. Self-Service BI omfattar verktyg vilka möjliggör för slutanvändare att göra analyser och skapa rapporter utan teknisk support. Ett av dessa verktyg är Microsoft PowerPivot.På Transportstyrelsens Järnvägsavdelning finns behov av ett Self-Service BI-verktyg. Vi fick i uppdrag av Sogeti att undersöka om PowerPivot var ett lämpligt verktyg för Transportstyrelsen. Målet med uppsatsen har varit att testa vilka tekniska möjligheter och begränsningar PowerPivot har samt huruvida PowerPivot är användbart för Transportstyrelsen.För att få en djupare förståelse för Self-Service BI har vi kartlagt vilka möjligheter och begränsningar med Self-Service BI-verktyg som finns beskrivna i litteraturen.

Foreign invested SMEs have recently become increasingly interested in China. The enterprises are in this report categorized as second wave companies since they follow the footsteps of previous pioneers, of which mostly were larger companies. The ambitions of the SMEs are either to sell products on the ever expanding Chinese market or to utilize the potential of low cost production for global markets. The existing literature is fragmented and solely based on the experience of larger companies. We believe that SMEs are facing new and different challenges, and thus a new generic theoretical frame work is desirable.

Genom en enkätundersökning till konsumenter har vi kommit fram till att det är lägre kostnader, bättre information och bättre täckning som är de optimala faktorerna för 3G-operatörerna att kunna locka till sig fler konsumenter. .

Technology based self-service (TBSS) used in supermarket self-scanning checkouts is a relatively new phenomenon in Sweden. Studies on TBSS as a self- checkout device have been formerly carried out but with focus on the customer perspective. The authors therefore saw a challenge in covering the self-scan checkout concept, from a company perspective. The purpose of this research paper is to investigate, through a management perspective, the changes brought about by implementing an innovative TBSS system in Swedish supermarkets, and its effect on the competitiveness of the company. This is done by presenting and linking the theoretical framework and empirical study in the research.

Bakgrund: Kunders inköpsprocess skiljer sig mellan industriella marknader och konsumentmarknader. När organisationer gör inköp handlar det ofta om stora belopp och komplexa produkter. Relationen mellan det köpande och det säljande företaget brukar vara tätare än vid vanliga konsumentinköp. För att den säljande organisationen ska förstå hurde mest effektivt ska erhålla kunder är det nödvändigt att identifiera de olika faserna i kunders inköpsprocess och undersöka vad som påverkar kundernas beteende vid inköpet. Syfte: Vårt syfte med denna uppsats är att beskriva hur SMHIs kunders beslutsprocess ser ut vid inköp och vilka faktorer som påverkar denna process.

Operational Business Intelligence (OpBI) är en typ av Business Intelligence som används i det operativa arbetet och det röner mer och mer intresse. I samarbete med ett företag har en fallstudie genomförts med syftet att etablera och kontextualisera riktlinjer för att kunna införa en ökad automatiseringsgrad i en OpBI-lösning som används för kreditbedömning av fakturor.Studien har fokuserat på att undersöka vilka faktorer som påverkar finansieringsbolag vid val av automatiseringsgrad, val av parametrar att använda vid kreditbedömning samt val av antalet regler som styr automatiseringen. Inom ramen för fallstudien har en analys av det utvalda systemet utförts och intervjuer gjorts med kreditupplysnings­bolagen som är leverantörer av de externa para­metrarna samt intervjuer med sju finansieringsbolag som använder det utvalda systemet.Fall­studien har resulterat i 19 riktlinjer. Resultatet visar att ju högre volym som hanteras, ju högre tidspress det finns i pro­cessen och ju större tillit som finns för en automatisering, desto högre auto­matiseringsgrad väljs..

As stocks have become a more common way for people to save their money, the range of financial information has had a substantial increase. To understand the assumptions that stock valuation and analysis are built upon, it is important for the reader to have an understanding for the models that are used by banks and institutions when recommendations are published.The cash flow model, which is the most commonly used stock valuation tool, is based on CAPM. This model describes the relationship between an assets return and its risk in relation to an index. The risk parameter is called the beta value and has grown to be the dominating risk factor within financial economics literature.The use of beta values has been widely discussed in the world of academics and some researchers claim that the degree of explanation brought about by the beta is so low that it should be discarded, others are faithful to the beta and believe that it still serves a purpose. As a result of this criticism other ways to calculate the beta have surfaced, models that take other factors of risk into consideration.

Utifrån Canvas analysmodell, hur ser Fantastic Franks E-business ut? Hur är synen på E-business hos en liten nischad fastighetsbyrå?Syftet med denna studie är att analysera Fantastic Franks E-business genom Canvas analysmodell och analysera hur differentiering genom E-business påverkar företagets framgång.Genom intervju med ledningsgruppsrepresentant från Fantastic Frank samt med fastighetsmäklare på Fantastic Frank applicerades företagets affärsmodell på modellen Källor till värdeskapande i E-business företag. Denna metod användes för att undersökningens syfte att se hur Fantastic Frank differentierar sig genom E-business skulle kunna undersökas.Nyckelresurser, nyckelpartnerskap och nyckelaktiviteter är de viktigaste blocken inom Canvas analysmodell för Fantastic Frank, för att de ska kunna erbjuda en värdeproposition och differentiera sig. Andra fastighetsbyråer börjar erbjuda liknande tjänster med bostadsstyling och Fantastic Frank bör vidareutveckla sin tjänst. För att skapa värde bör Fantastic Frank utveckla relationer med kunder som köpt eller sålt bostad genom gemensamma intressen inom inredning/design.