Studiens syfte är att utveckla storbankernas Retail Banking verksamheter genom att studera detaljhandeln, de nya bankaktörerna och storbankerna. Det empiriska materialet baseras på åtta semistrukturerade intervjuer med chefer inom bank- och detaljhandelsbranschen Studien konstaterar att storbankerna måste utveckla sina Retail Banking verksamheter för att bemöta konkurrensen från andra bankaktörer. Genom förbättrade CRM-system, bättre nyttjande av distributionskanaler och mer försäljningsinriktade organisationer är storbankerna redo för framtidens Retail Banking..

I dagens samhälle kretsar shopping inte bara kring själva produkterna som säljs, utan även om hur butiksmiljön är uppbyggd. Den visuella miljön och hur produkter presenteras har stor påverkan på kunders beteende och inköp. Ljus, ljud och färger påverkar våra sinnen både positivt och negativt, vilket butiker utnyttjar på olika sätt. Syftet med detta uppsatsarbete är att beskriva vad unga kunder (18-25 år) anser ska ingå i ett attraktivt och starkt butikskoncept. Syftet är också att undersöka hur unga kunder upplever likheter respektive skillnader gällande butikskoncept för butikskedjor och produktutvecklande varumärkesleverantörer.

After the deregulation of the Swedish pharmacy market customers can be lost due to stock-outs. Optimization of pharmacy inventory levels has thus become increasingly important. To minimize inventory costs while considering the cost of shortages the latter must be estimated. However, the shortage cost is very difficult to compute. Thus, the aim of this paper is to estimate the pharmacy-specific shortage cost parameter and its relation to other inventory costs.

This Master´s thesis aims to aquire knowledge about volunteers attitude toward work. It emphasis is on the differences between volunteers and non volunteers. There are four research questions used in order to fulfill the aim in a scientific manner. The essay aims to get in depth knowledge regarding whether or not the respondents feel that they have gained advantages in work life due to the fact that they are involved in volunteer work. One of the pivotal questions is if there is a possibility to see a pattern that binds together the reasons for volunteer work and the attitude toward work.

The purpose of this study has been to investigate advantages and problems with distributionsystem metering in substations. This report is a study in cooperation with Göteborg Energi.The analyses in this report are made for GENAB, a subsidiary company of Göteborg Energi.To analyse advantages and problems in advance is interesting information for GENAB. Theresult of the report could be based upon whether installation of metering in distributionsubstations will be implemented and in that case which kind of measurement that is relevant.The most relevant and strategic place to implement measurement is at the distributionsubstations on the secondary side (400V), this is due to the placement of the currenttransformers. The measurements in this study involve current, voltage, power, power factor,temperature, energy and power quality.Measuring instruments that are relevant to implement are intended to measure current,voltage, power, power factor, energy and, possibly, power quality in the same measuring unit.It is desirable to have a measuring instrument that measures both energy and power qualitybut since it is most often a cost question, it can be established that energy meters have a lowercost.Metering in distribution substations gives a better illustration of the power network. Thisresults in many advantages for GENAB.

During the last year?s Swedish agriculture have had difficult times, with decreasing prices and at the same time increasing production costs, which has led to bad profitability and faith in the future. The dairies in Sweden have also had a rough time and there have been large rationalizations during the years. In the beginning of the 20th century there were almost 1700 diaries in the Swedish countryside. There has been a large technical development during the 20th century resulting in a decrease in diaries to only 46 in the whole country today. They are owned by 15 diary companies, of which 7 large and dominate on the market and the rest are small-scale companies. With this development the confidence and feeling for the diary companies also has decreased.

Social media has today reached a level of maturity similar to the Internet in the beginning of the millennium. More and more people get involved both on a private and professional level and companies are starting to realize the need to keep up with the new online behavior of its target groups. The Investor Relations(IR) function has for a very long time been carried out by writing reports and press releases, but maybe as times change so will the tools needed to communicate the IR-issues for the companies? The purpose of this paper was to examine the views on and involvement in social media for IR-purposes at the four main banks in Sweden: Nordea, SEB, Handelsbanken and Swedbank. The study was carried out in the form of a qualitative case study in which the banks were analyzed separately with the help of Davids and Venkateshs TAM2-model(2000) and also analyzed against one another.

The purpose of this study is to investigate? how a professional librarian can support the work with pupils, age six to twelve years, in their reading and linguistic development? how the conditions at the school have to be for this to become possible? what kind of attitudes the teachers have, and how they relate to the impact of a librarian for the pupils reading and linguistic development.The methods used are analyses of steering documents concerning school libraries and analyses of the means of the local school culture. The latter has been carried out by literature studies and through interviews of eight teachers and two school librarians. The result of the interviews showed a limited insight into how a professional librarian can support and assist teachers and pupils in the work with reading and linguistic development. They also showed the influence of existing traditions and local school culture for the use of a librarian?s services, and also how all the teachers, once they have become used to the services a librarian can provide, now find their support invaluable.

Background: Once upon a time the most important resources in an economy were tangible goods. Historically, Swedish company culture has been dominated by engineering and techni-cal innovation has been the focal point. Today, Intangible values drive product development and form a company?s differentiation. Intangibles have therefore become the most prominent resources in a company.

Until recently the Danish government was hesitant about whether investments in climate and energy policies were the right strategy for Denmark. Today the Danish government argues that during the forthcoming climate conference in Copenhagen in 2009 (COP15), the world's countries must agree upon ambitious climate objectives. Denmark is together with EU-27 aiming at an ambitious climate agreement. This thesis intends to contribute with an understanding of why Denmark, both politically and economically, invests profound resources into committing the world's countries to a climate agreement. The study uses both a neoliberal institutionalism and a constructivist theory in analyzing the Danish engagement.

The aim of this thesis is to get an idea of how service companies set their prices. The method used was a case study approach, which was conducted at three real estate companies. The study showed that when setting their prices, the main aspect is their own costs. However, we have found that several other aspects play a big role when setting prices on services in real estate business such as individual customer behaviour and market competition. We have also found that the real estate companies charge very similar prices.

Denna uppsats är uppdelad i två delstudier där syftet med delstudie ett var att utarbeta ett tinnitusspecifikt självskattningsformulär för acceptans, samt undersöka dess psykometriska egenskaper, normer och faktorstruktur. Syftet med delstudie två var att bland tinnituspatienter undersöka det prediktiva värdet av acceptans avseende senare tinnitusbesvär och livskvalitet, när man kontrollerar för depression och ångest. Detta då acceptans i en rad studier visat sig vara relaterat till ett antal mått på livskvalitet, psykopatologi, stress, smärta, jobbprestation och negativ affektivitet (Hayes, Luoma et al., 2006).Delstudie två var en longitudinell korrelationsstudie med ett tidsintervall på 7 månader. Deltagarna i studierna var tinnituspatienter från Öronmottagningen på Universitetssjukhuset i Linköping och uppgick i delstudie ett till 77 personer och i delstudie två till 47.Resultaten i delstudie ett visar att ett tinnitusspecifikt acceptansmått kunde utarbetas med adekvat frekvensdistribution samt god intern konsistens och test-retest reliabilitet. Detta acceptansmått har två faktorer där den första är activity engagement och den andra är tinnitus willingness.Resultaten i delstudie två visar att såväl specifik som generell acceptans har ett starkt signifikant samband med senare tinnitusbesvär och ett måttligt signifikant samband med senare livskvalitet.

Humanity faces a major challenge with the climate and environmental crisis, largely driven by reckless recourse use and greenhouse gas emissions by corporations. The EU?s Corporate Sustainability Reporting Directive (CSRD) aims to standardise corporate sustainability reporting, making practices more transparent and comparable. This directive seeks to enhance sustainability practices and guide market forces towards sustainability, supporting the EU?s goal of net-zero emissions by 2050.

The interest for power and energy measurement has greatly raised with todays increasing electricity prices and enviromental awareness. In the search for energy efficient solutions, the measurements are more complex due to increasing of non linear components. Harmonics and non sinusoidal voltages put high demands on sampling and filtering. Meanwhile, the price must be controlled so the customer still will find it interesting to invest in smaller plants. ITT W&WW asks for a robust, heat resistant power meter with compact dimensions to allow mounting inside the casing of a pump.

Photography has a big role in information sharing today. Especially in the hotel industry where it is the closest thing a customer can get to the product that is being sold. This study intends to find out how you can make use of rhetorical models and techniques of photography to enhance the communication skills of photos of hotel rooms. The main focus was to understand the difference between informative and emotional photographs and what consumers themselves focus on when choosing a hotel, and also how to use the collected information to create a larger buying interest through hotel photography. Using previous research work and quantitative data collection method, we have concluded that the informational and emotional photography methods have obvious differences but also many similarities, and are most effective used together and that the hotel consumer is more aware of the images influence then we assumed..