The retail banking market in Sweden is highly concentrated and oligopolistic. This has been confirmed by numerous reports from different competition authorities within the EU, for example the Swedish competition authority. A considerably high number of different sorts of competition barriers has been pointed out in these reports. The competition barriers are mainly directed to the smaller banks and the potential competition. The retail banking market in Sweden is dominated by four major banks, which together has over 80 percent of all market shares.

The retail banks are usually looked upon as conservative. Since the launch of internet banks in the 90's they have not developed much. Meanwhile the internet is developing in a fast pace and social websites are increasing in popularity. The purpose of this essay was to investigate how internet banking will develop in the near future based on interviews, literature and trend studies. With web 2.0 techniques the internet bank could develop to help the costumers take more informed decisions regarding their economic situation.

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.

Anva?ndandet av internet i mobiltelefonen har o?kat drastiskt de senaste a?ren och detta fenomen inneba?r att ma?nniskor har tillga?ng till internet i sto?rre utstra?ckning a?n fo?rut. De svenska bankerna har tagit tillvara pa? denna trend genom att utveckla mobila bankapplikationer da?r de erbjuder sina kunder mo?jligheten att utfo?ra banka?renden med hja?lp av mobiltelefonen. A?ven om fo?rdelarna med denna tillga?ng a?r ma?nga, finns det a?nda? vissa nackdelar.

I meet in my work as art teacher many students of different descent, were they, or their parents, have different school experience than the Swedish. This, in combination with therecent discussion after the Muhammad caricatures about the banning of images in Islamic religion, made me curious to study what art education in a Muslim country looked like. I went to visit the Maramra Egitim Köyü school in Istanbul, Turkey, and especially their art classesfrom grade five to eight, which are the same age of students that I have been working with thelast ten years. This was my first visit to Turkey.The question I ask is: What does the practice of Turkish art education look like, using the Marmara school as an example. Which discourses can I identify in the art teacher practice? What surprised me the most was the frequent visual exposure of the founder of the Turkishstate, Kemal Atatürk.

I meet in my work as art teacher many students of different descent, were they, or their parents, have different school experience than the Swedish. This, in combination with therecent discussion after the Muhammad caricatures about the banning of images in Islamic religion, made me curious to study what art education in a Muslim country looked like. I went to visit the Maramra Egitim Köyü school in Istanbul, Turkey, and especially their art classesfrom grade five to eight, which are the same age of students that I have been working with thelast ten years. This was my first visit to Turkey.The question I ask is: What does the practice of Turkish art education look like, using the Marmara school as an example. Which discourses can I identify in the art teacher practice? What surprised me the most was the frequent visual exposure of the founder of the Turkishstate, Kemal Atatürk.

The aim of this paper is to study in which contexts Muslims and Islam are represented in newspaper- articles in the Swedish press. The research questions are formulated as follow: In what contexts are Muslims and Islam represented in Aftonbladet and Dagens Nyheter during the years 2011-2013 ?Does the newspaper-articles in Aftonbladet and Dagens Nyheter reflect open or closed attitudes about Islam?  My material compromises twenty-five newspaper- articles from the newspapers Aftonbladet and Dagens Nyheter during the years 2011-2013. The material became a subject for qualitative content analysis. This resulted in four categories, the categories were formed from the content of the newspaper-articles. The categories are: (1) Violence / Terrorism, (2) Extremist / Fundamentalist, (3) Islamic god´s state / government / Islamism and (4) Others.

The main purpose of this study was to investigate which enter- and exit barriers that exist on the banking market for small enterprises located within the region of Gotland. The reason was to examine and identify which barriers that could affect the mobility among small enterprise bank customers on the bank market. To identify the barriers, the study was carried out partly by a quantitative survey with 33 small business owners respondents located at three different concentrated small enterprise areas within the region of Gotland. And partly by qualitative interviews that were conducted with two employees at Länsförsäkringar Gotland Bank.The result indicated that the enter barrier mostly depended on the aspect that business owners of small enterprises believed that bank switching were complicated. The business owners did also consider bank switching as time demanding.

The present thesis deals with Qur'anic Studies among Turkish immigrants inSweden. The aim is to investigate the significance of Qur'anic Studies forMuslims in a country like Sweden. This thesis also highlights the role ofthe Turkish state in encouraging and funding Qur'anic Studies in Sweden.I have carried out a case study on a Mosque outside Stockholm, where anImam, sent by the Turkish government, is in charge of the Qur'anic Studies.It is found that Qur'anic Studies is important for Muslims in Sweden in theirefforts to preserve their religious identity. The results also indicate thatQur'anic Studies also has an ideological dimension insofar as it is a meansfor Islamic governments, groups and individuals to further the interests of political Islam..

The aim of this essay is to analyze the political interests of the United States Government in Turkey, from 1997 to spring 2007, using a qualitative method. I will also analyze any strategic changes during this period, by using theories of realism, particularly Structure Realism and Rational Choice. Using the Rational Actor Model (RAM), I will analyze how nation states such as the United States act in the political arena in Turkey. How can the US Government legitimize the support to Turkey and at the same time criticize there democratic deficit and their view on human rights. Turkey has been an American Military Ally, via NATO since 1952 and its demographic situation has changed since the Cold War.

Den teknologiska utvecklingen har under de senaste decennierna fa?tt en allt sto?rre betydelse i samha?llet. Som en naturlig fo?ljd av detta har bankernas verksamhet fo?ra?ndrats, bland annat genom o?kat utbud av tekniska tja?nster och produkter. Tidigare studier pa?visar att ma?nniskans beteende har fo?ra?ndrats i takt med samha?llets utveckling och ma?ste idag va?nja sig vid att allt mer kommer att hanteras via de teknologiska distributionskanalerna.

The bank market for farmers in Sweden is dominated by Swedbank and Landshypotek. One of the most aggressive challengers is Länsförsäkringar Bank, which in 2009 had seven per cent of the Swedish bank market for farmers, but 57 per cent of all new lending. This paper deals with the problem of new banks to break into the bank market where farmers are slow in terms of change in their attitudes and loyal to their banks. The study has been carried out in cooperation with Länsförsäkringar Gävleborg which is a new actor in the banking market and thus eager to take part in the outcome of the study. This essay thus seeks to examine the attitudes farmers have against bank switching and the factors that influence their choice of bank.

The purpose of this Masters-thesis is to examine the impact of identity politics on (a) Turkey's foreign policy towards Europe and the EU, and (b) Europe's/EU's political attitude towards Turkey, and what implications this may have on a possibly future Turkish membership in the EU. It is a more interpreting thesis than it is an explaining one. The examination shows that Turkey has considered Europe as a political model, while Europe has used the muslime Turkey as a threat to determine its own identity. The negotiations between EU and Turkey this autumn will have great impact on the identity of both sites. If the EU accepted Turkey as a member, the union could gain a chance to spread democracy to the islamic world and thereby earn global respect.

Mobiltelefonin expanderar oerhört snabbt över utvecklingsvärlden i stort och har blivit något av de fattigas form av Informations- och kommunikationsteknologi (ICT). Redan idag (2008) finns fler mobiltelefonanvändare i u-länder än i i-länder. Samtidigt anser bl a SIDA och Grameen Bank att användningen av ICT utgör ett kraftfullt verktyg för ekonomisk utveckling, ett steg på väg mot ökad tillväxt och en av förutsättningarna för en minskad fattigdom.Slutkonceptet är en visualisering och förslag för att minska den digitala klyftan, vilket leder till integration och i slutändan möjlighet till minskad fattigdom, och ett förhoppningsvis rikare liv även själsligt. Arbetet är ett projekt i hållbarhetens tecken och är tänkt att fungera som inspiration och att ge ljus åt en viktig fråga, vilket jag hoppas leder till diskussion och större insikt samt visar möjligheter och en positiv framtidsvision. Arbetet kan ses som ett pedagogiskt projekt för att utforska vad som kan uppnås genom att få inspiration av och sätta fokus på realiteter i utvecklingsländer och undersöka om resultatet har potential för överföring och användning i hela världen.

The main object of this paper is an attempt to illustrate the present situation of TeheranUniversity Central Library and its 17 faculty libraries. The main aspects of these librarieswhich will be discussed are collections, staffing, management, shelving, cataloguing and thelibrary users. The findings of a survey which was conducted by the author in Iran in thesummer 1995 form the main basis of the discussions.Some of the problems in these libraries are mentioned and the possible solutions arerecommended.The study also examines the role and effect of the Islamic Revolution and de-westernizationpolicy of the present regime on these libraries.A historical background of higher education, foundation of the University of Teheran,librarianship and the whole range of libraries in Iran are discussed briefly..