Our purpose of this paper is to seek an understanding of which service quality factors that affects customers in their decision making progress regarding purchasing financial services such as pension products. We also seek to evaluate the different service quality factors by compare their relative strength against each other. The study aim to investigate if there are any connections between customer behavior variables such as gender, age and income in comparison to these service quality factors related to pension products.The findings aim to help a small financial institute such as our case company Plain Capital to understand how their customers experience service quality regarding pension products.In order to find empirical results we conducted a qualitative research as well a quantitative research. The qualitative research employed both a focus group interview with pension savers and an interview with our case company Plain Capital. We were able to identify the service quality factors for pension?s products with help from the focus group interview.

Syfte: Syftet med den här uppsatsen är att öka förståelsen för hur samhällets och teknikens senaste utveckling har bidragit med nya marknadsföringskanaler och vad detta innebär för företags marknadsföringsstrategier. Med detta syfte som utgångspunkt har tre forskningsfrågor formulerats för att avgränsa forskningen än mer:Hur kan smartphones som marknadsföringskanal hjälpa företag att precisera sin marknadsföring till kunden?På vilket sätt har den nya mobila tekniken, i form av smartphones, påverkat företags segmenteringsmöjligheter?Hur kan ett företag använda sig av smartphones, som ett verktyg för att hantera kundrelationer?Metod: Uppsatsen är resultatet av en kvalitativ studie med en huvudsaklig induktiv inriktning. Primärdatainsamlingen har skett genom kvalitativa semistrukturerade intervjuer.Slutsats: Efter att ha undersökt detta ämne har vi dragit slutsatsen att valet av smartphones som kanal kan hjälpa företag att precisera sin marknadsföring genom att telefonen är tillgänglig och personlig för kunden. Därför menar vi att kunders integritet och acceptans kommer att vara avgörande faktorer och viktiga att beakta.

Consumers seem to become more demanding in their buying behaviour within the fashionmarket. The society refers to individualism, personality and creativity, which affect people?s wayof dressing themselves. Many companies have started to work with aspects that create aconsumer experience to meet the customers? new demands.

Syftet med uppsatsen är att undersöka om och varför Sverige bör ingå skatteavtal med afrikanska utvecklingsländer. Sverige är medlem i OECD och har en lång tradition av skatteavtal framför allt gentemot andra industrialiserade länder. Afrikanska utvecklingsländer däremot har inte ett lika utvecklat skattesystem eller konkurrenskraftigt skatteavtalsnät och har andra förutsättningar än Sverige på den globala marknaden. Frågan om varför skatteavtal behövs mellan Sverige och afrikanska u-länder ska belysas genom dessa två vitt skilda perspektiv och utgångspunkter. Jag ifrågasätter även vilka incitament afrikanska stater har för att ingå skatteavtal med Sverige.

Tidigare forskning visar på att småbolagens existens har en stor betydelse. Småbolag bidrar inte bara till att generera fler jobb, de bidrar också till den ekonomiska tillväxten. Dock kräver deras existens och fortsatta tillväxt mer kapital, de behöver därmed ha tillgång till krediter. Tidigare forskning visar på att småbolag har svårigheter att erhålla bankkrediter jämfört med större bolag. På grund av Basel-regleringarna och de införda kapitalkraven har bankerna blivit mer försiktiga och är inte villiga att ta allt för stora risker.

Mitt syfte med uppsatsen är att beskriva kriterierna för begreppet royalty, och att beskriva hur royalty är reglerat i Sveriges dubbelbeskattningsavtal med olika länder. Detta realiseras med hjälp av frågeställningarna i min problemformulering. I dagligt tal förknippas royalty ofta med ersättning som utgår till artister och låtskrivare för att någon har nyttjat deras konstnärliga verk. Men i och med att royalty inte är definierad i lagtexten, finns det otydligheter kring vad som ger royalty. I rättsfallen som undersöktes fann jag att ett av kriterierna för royalty är att ersättningen i princip utgår med varierande belopp, t.ex.

Turkey has recieved recurring criticism on their disrespect of women and their rights and The European Union Commission and CEDAW, the Convention on the Elimination of all forms of Discrimination Against Women, are two examples of critics. However, during the last years Turkey has shown a number of improvments and positive developments. Two flagrant examples of the extended debate of the above mentioned scarcity is within the area of legislation and the large number of womenNGO´s.The aim of my thesis is to investigate which strategies womenorganizations in Turkey are using to affect the political agenda from a genderperspective; do they choose an international or a national strategi? The analysis is based on four womenNGO´s and their efforts of influence and effects on the political agenda and how they experience the link between themselves and the Turkish government. My findings suggest that a national strategy is chosen before an international strategy, but the choice seems to depend on specific goals of the organization and the national climate.

Marketing in a business-to-business environment differs from its counterpart in the business-to-consumer market. Where the latter focuses on customer satisfaction, the former is all about value. This value creates loyalty between seller and buyer. Creating loyalty is becoming more and more important in the media planning industry as fierce competition reduces profit margins. Value is created through selling what a client wants at an acceptable price.

This study aims to explore how self scanning affects consumers impulse buying. Up til this day researchers are not aware how technologies like self scanning affects consumers behavior in-store. Consumers with self scanners are able to keep track of the rising sum, which could affect their buying behavior, especially when it comes to impulse purchase. Furthermore customers have to commit to scanning products which keep them from browsing the store for offers, which could limit the impulse buying. This study undertake a descriptive methodology with Beatty and Ferrells impuls model from 1998 as a theoretical platform where we examine disparities between self scanners and non self scanners.

This thesis? objective is to evaluate the recently proposed Shy (2002) approach of estimating consumer switching costs. We apply Shy?s method for estimating switching costs on the Swedish markets for bank deposits and telecommunications. The evaluation has been achieved by comparing estimated results to economic theories, related empirical studies, and our expectations.

Purpose: To examine how a tour operator works to implement sustainability in the development of the business, as well as what significance it has to consumers in selecting a tour operator. Furthermore, the purpose is to provide recommendations on how tour operators should work to communicate their commitments.Methodology: The research strategy applied is a case study which follows an abductive approach. Qualitative and quantitative methods were applied to complement each other. A semi-structured interview with a tour operator and a consumer survey constitute the empirical foundation.Conclusion: The conclusion of the study is that consumers show a positive attitude towards CSR, but do not see it as a determinant when choosing a tour operator. Thus, CSR does not constitute a competitive advantage against competitors.

Syftet med uppsatsen a?r att underso?ka hur lojala konsumenterna pa? apoteksmarknaden i Katrineholm a?r. Eventuella samband mellan ko?n och lojalitetstyp samt a?ldersgrupp och lojalitetstyp underso?ktes a?ven. Fo?r att uppna? syftet genomfo?rdes en kvantitativ underso?kning med hja?lp av enka?ter, da?r 240 svar samlades in.

Our purpose with this research has been to obtain a deeper insight and understanding for the phenomenon and term ?weekday-luxury.?Through our research, we have found a link between value, service, brands and consumer behaviour into a relationship that we termed ?weekday-luxury.? This link of values is particularly interesting to us and we are curious about the underlying motivation to ?weekday-luxury? and the driving forces underlying the phenomenon. We have noticed in society that people need something extra in their daily lives and we attempt to speculate where their perceived value lies through the concept of ?weekday-luxury." Our goal is to determine a deeper understanding and insight into this phenomenon and how it meets our needs through an identifiable pattern. We also analyze the nature of ?weekday-luxury? and its meaning.

»Does it have to be so green?« is a visual communication project focused on packaging design. I attempted to challenge the clichés of graphic design for organic products and designed a packaging concept for a fictional food brand. The project had a special objec¬tive which was to explore ways to use the package as carrier for in¬formation about the enviromental impact of the packaging itself.The process included research about packaging design and its ef¬fect on the consumer, an investigation of the Swedish market for organic foods, creating and defining a brand, and designing a cohe¬rent packaging concept for a product line which communicates the brand?s values and appeals to the intended target group.The project resulted in prototypes for a muesli package, tea car¬ton and honey jar, as well as a manual that explains the application of the graphic program..

Cultural organizations set on capitalizing on artistic ideas are subject to an industry specific economic condition that requires a balance of art and commerce; two opposites reflecting credibility and non-credibility. Hence, commercialization of the cultural industries implies non-credibility in an industry insisting on symbolizing the opposite.This study aims to demonstrate how cultural industries can attract a wide audience, while maintaining credibility. This is done through the perspective of folksiness since its context indicates the existence of credible commercialism.The study demonstrate that credible commercialism is part of folksiness and is possible thanks to the folksiness context that 1) utilizes attributes that balance and disarm "negative attributes" creating an atmosphere of acceptance and 2) meets the consumer's need fulfilment of identity through individualism and belonging, and 3) contains attributes that increases loyalty..