Background and problem: In March 15, 2009, the third piece of money laundering directive was introduced which mean a more strict legislation in control against money laundering and terrorist financing. The directive is based on a risk based point of view which means that the resources should be used where the needs are. The responsibility for financial companies and other parts are bigger then before which means that they have to get a more extensive customer knowledge etc. It has however been appeared that the directive in some cases lack of precision and clarity which creates an insecurity among those who are included by the law. Purpose: The purpose of this paper is to examine which consequences the third piece of money laundering will bring on the banks customer relationships and how the employees work assignments at the banks will be affected. The authors also want to examine how the extension of money laundering will be affected and clarify if there is any indistinctness about how the application looks around the banks.Method: The authors choose to use a qualitative method and the empiric material has been collected through personal meetings, telephone interviews and through e-mail answers. Conclusion: The majority sees the third piece of money laundering directive as something positive which will protect both the banks and their customers.

Sales is the foundation for all commercial business and companies that have the best sales process in conjunction with efficient deliveries will do well in the long run. The author of this report was tasked by the Organisation in South Africa to study new/alternative ways of attracting Swedish companies to South Africa and sell the services of the Organisation to these same companies (defined as the sales process in this report) by analysing how similar international service companies do the same. A benchmarking process has been conducted with four similar service organizations in South Africa to examine how these companies work in comparison to the Organization. Surveys have been used for purposes of this study, as the methodology is well suited to provide the author a view on the opinions, perceptions and experiences of the respondents.The project aimed to develop new methods to attract Swedish companies to South Africa or improve and streamline the existing methods. The aim was also to develop new ways to sell the organization's services to Swedish companies.The study concludes that there is little focus on marketing of services within the Organisation.

SyfteSyftet med studien var att översätta och validera skattningsskalan för tränarbeteenden Coaching Behavior Scale for Sport (CBS-S) från engelska till svenska.MetodSammanlagt ingick 545 deltagare fördelade på två urval. Deltagarna var lagidrottare i de två högsta nationella serierna. Deltagarna besvarade en enkät innehållandes CBS-S och skalor för andra tränarbeteenden, motivation, självförtroende och relationen med tränaren. På datamaterialet utfördes explorativ faktoranalys med varimax rotering och korrelationer mellan de olika dimensionerna i skalorna beräknades. 39 av deltagarna besvarade även CBS-S två gånger och på dessa data beräknades test-retestkorrelationer mellan dimensionerna i CBS-S.ResultatFaktoranalysen fann åtta dimensioner med egenvärde > 1.

Syfte: Att studera vilka faktorer kunder tycker är viktiga vid val av bank och försäkringsbolag. Att se hur väl företagen känner till kundernas preferenser vid val av respektive tjänsteföretag samt att se vilka likheter och skillnader det finns vid val av 2 tjänsteföretag inom den finansiella sektorn.  Metod: Undersökningen gentemot kunderna genomfördes med hjälp av en enkätundersökning och personliga intervjuer vid respektive tjänsteföretag. Enkätundersökningen har redovisats i form av diagram och tabeller medan intervjuerna har redovisats i löpande text. Resultat & slutsats: Kunderna ansåg pris, räntor, ett bra bemötande och engagemang samt personalens kompetens vara viktigast vid val av både bank och försäkringsbolag. Bankkunderna ansåg att närhet till banken och att ha en bra relation till banken var viktigare än vad försäkringskunderna tyckte.

The horse's motivations to forage and eat are behaviors that horse owners should take into consideration when designing the horse's living environment. In today?s housing of horses, horses are often kept alone in boxes and paddocks and are fed with small amounts of energy-rich roughage. Problems that can arise with a shortened feeding-time and long periods of fasting are behavioral changes like stereotypic behaviors and an increased risk for ulcers. A solution to the short feeding-time is that you are feeding roughage in a small mesh hay net, or a so-called Slow-feed net.

The majority of all collie owners in Sweden are satisfied with their dog and choice of breed and may well consider having another one. This was found in a survey that collie owners who owned a collie between the years 1999-2009 had the opportunity to fill in from May to December 2010. In the questionnaire there were three questions included where the owners could answer whether they were satisfied or not with their dog. These questions were: * Do you think the temperament of your dog is well suited for your way of life and the goal you have with your dog? * Would you be willing to get another dog in the future? * If you were to get another dog, would you consider a rough collie? When the answer to these three questions were compared with the dogs behavior, as described in the other questions in the survey, it seemed that it was mainly the fearfulness of the dog that differed between owners who were satisfied with their dogs and those who were not.

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..

Visualization plays a key role in the concept of Lean. Lean was developed in Japan as a business philosophy in order to lead to an activity, where only steps that contribute to customer value of the final product are being performed. By defining the customer value and establish visualized standards, it is possible to see when situations differ from the standard. Then it?s possible to lead the process back on track.

The aim is to develop a new decision-making model for credit-loans. The model will be specific for credit applicants of the OKQ8 bank, becauseit is based on data of earlier applicants of credit from the client (the bank). The final model is, in effect, functional enough to use informationabout a new applicant as input, and predict the outcome to either the good risk group or the bad risk group based on the applicant?s properties.The prediction may then lay the foundation for the decision to grant or deny credit loan.Because of the skewed distribution in the response variable, different sampling techniques are evaluated. These include oversampling with SMOTE, random undersampling and pure oversampling in the form of scalar weighting of the minority class.

Målet med vår uppsats är att undersöka och analysera ungdomars användning av Facebook. Genom intervjuer med 10 gymnasieelever från Stockholm kommer vi granska om Facebook skapar ett narcissistiskt beteende. För att förklara detta utgår vi från teorier om narcissismens kultur, svaga bands styrka, symbolisk interaktionism och dramaturgiska perspektiv. Vi har i denna uppsats kommit fram till att det existerar narcissistiskt beteende, i form av respondenternas attityder och deras syn på andra medlemmar.      .

Our purpose with this research is to highlight that there is a scope for increased value creation in the experience room during concerts, and how value-enhancing strategies can be a competitive advantage for different venues. In our investigation of this we have worded the following research question: How is the perceived customer value affected during a concert in the experience room and its physical environment? With the background in this question we have identified three key concepts that we believe are the influence of the total concert experience which are; sensory experiences, interaction and identity. From these concepts we have drafted a number of propositions to test the reality by our empirical data collection. .

Background: Mass customization has been identified as a competitive business strategy by both companies and academics because of its ability to incorporate the voice of the customer into companies? products and services. Although mass customization may sound appealing, the strategic concept is still developing and firms adopting this business strategy face several challenges. Production concerns are of high relevance since mass customization implies a high level of customer involvement in the product design. Since the areas are closely linked it is reasonable to ask how a mass customization strategy affects production concerns.

Hotell ser i dagens samhälle i regel likadana ut och konkurrerar om samma utbud och kunder. Det är således betydelsefullt att i dagens konkurrensinriktade samhälle skilja sig från andra företag som verkar i samma bransch. Nya tjänster hjälper företag att attrahera nya kunder och samtidigt behålla redan befintliga vilket har gjort tjänsteutveckling till en viktig konkurrensfaktor. Det är således viktigt för hotell att känna till vad kunderna efterfrågar för att kartlägga potentiell tjänsteutveckling. Avsaknad av konkret forskning på ämnet kan leda till att ledningen för ett hotell genomför förändringar utan att se till kundernas egentliga behov, vilket kan medföra ett stort risktagande och stora ekonomiska kostnader.

AbstractThe real estate sector is today responsible for 40 per cent of the total amount of energy consumption within the members of the EU. All over the world there are collaborations within research and projects to find ways of reducing the amount of energy consumed by the real estate sector. In Sweden, a directive from the European Union has posed demands on authorities as well as on the private sector to reduce the amount of energy consumed by new building constructions. Together with the directive from the EU there are also new requirements and demands from Boverket for the real estate sector.  These requirements mostly concern the energy consumption of kilowatt-hour per square metre and that the consumed energy also should be renewable.  The aim of this study is to explain what kind of value municipalities experience in using certifications and environmental investments for new and existing buildings. Within the chapter theory, essential areas are described such as; environmental certification systems, economical viability, proceeds connected to building green, difficulties with building green, the performance of green buildings when affected by the behaviour of tenants and customer value.  The following chapter describes the methodology with which we have conducted this study.

Sverige anses vara en av världens mest avancerade IT-nationer, där användningen av IT ökar inom både den offentliga och privata sektorn. Företag inom IT branschen expanderar i en starkt föränderlig bransch. En rad olika faktorer har varit grunden till Sveriges position som IT-nation, bland annat en ingenjörs- och innovationstradition över en lång tid, även faktorer som den utbreda användningen av IT i samhället och en snabbhet att implementera nya innovationer. IT-branschen i Sverige utgör 4 % av de sysselsatta i Sverige där omsättning, såväl som antalet anställda, faktiskt ökat även under konjunktursvackor.Syftet med studien är att undersöka om svenska nyhetsmedier i större utsträckning publicerat nyheter om Apple än om deras konkurrenter på smartphone marknaden. For att lättare kunna genomföra studien ska dessa frågeställningar besvaras: Hur har Apple lyckats bygga upp en hajp kring sitt varumärke i Sverige? Har Apple exponerats mer i svenska nyhetsmedier än konkurrenterna på smartphone marknaden? På vilket sätt påverkar svensk nyhetsmedia bilden av Apple? De teorier som används i studien är innovationsteorin, dagordningsteorin samt konsumentbeteendeteorin.