The purpose of this study is to investigate how the major swedish banks look upon and promote student profitability as well as long-term relationships within the student segment from a CRM point of view. The study incorporates a qualitative course of action with an abductive research approach which has been carried out by conducting personal and telephone interviews with representatives from three out of the four major swedish banks Nordea, Swedbank and Handelsbanken. Our research finds that the banks appear to regard their relationships with students as long-term investments, but that they simultaneously seem to lack distinctive, clear and procreative strategies for securing these relationships. Furthermore, the development of profitability within the student segment is considered an informal process that does not necessarily need to be computed through the use of quantitative estimates. Also, educational variables does not influence the banks as they segment their customer base and the student-centred offerings within the banking industry is to be deemed as being standardized rather than differentiated..

ABSTRACTInternet use in Sweden is among the highest in Europe. The increased availability and use of the Internet has changed people's behavior patterns. This, in turn, has made many companies choose to offer their products and services online. This means that there is less personal contact and that customer relations can be described as having gone from face-to-face to face-to-screen. Swedish banks have come a long way in terms of adapting its operations to customers? demand in a global environment that is digitizing at a rapid pace.

In this thesis I have used post-colonial theory to analyze the Uyghurs, a Muslim minority group located in Xinjiang province in the Northwest of China, and their identity shaping process in relation to the dominating Han Chinese. I have analyzed the possibilities to use the power perspectives in post-colonial theory, especially Edward Said's Orientalism and the creation of the Other in a new context, where the main focus is on the Uyghurs through the eyes of Han Chinese. I have argued that Han Chinese, with colonial tendencies, have created two generalizing pictures of the Uyghurs; one romantic picture to use as an exotic tourist attraction and one threatening picture that portray Uyghurs as Islamic terrorists to win support in international politics. The thesis is a qualitative single case study with the aim of gaining a deeper understanding for the Uyghurs as well as examine possibilities of widening the analyze areas for post-colonialism. My conclusion is that the power perspectives in post-colonial theory are usable implements also for non-western contexts and in this case function as a way to understand the identity shaping process for the Uyghurs and their relation to Han Chinese..

Turkey has often been described as a cultural and geographical bridge between West and East. When the Islamic AKP came to power in Turkey 2002 many critics feared that the country was going to abandon its former Western allies and strengthen their relations with the Arab world instead. The criticism was intensified when the AKP increased Turkey?s bilateral relations with the Middle East and moved closer to former foe?s like Iran and Syria, at the same time as their long-time friendship with Israel experienced serious crisis. The aim and purpose of this thesis is to describe and explain the change in AKP?s foreign policy towards Israel.The research method is a combination of a qualitative text analysis of Turkey?s speeches in the UN General debate and Jakob Gustavsson?s model for explaining foreign policy change.The results show that the Turkish-Israeli relations have deteriorated after the Israeli attack on the Gaza Freedom Flotilla in 2010, particularly regarding diplomatic relations and military agreements.

This thesis rests on the theory and methodology of discourse theory. By viewing social reality as constituted by discourses, meanings that are taken for granted can be challenged.The events of September 11th 2001 resulted in the American war on terror. This thesis explores the impact of 9/11 and the war on terror on the Russian image of the conflict in Chechnya.Discourse theory is applied to shed light on how the conflict over Chechnya is discursively constructed by the Russian state and media. The discourse is organized in three thematic sections: Identity, Enemy Images and Islam. Russia establishes itself as a member of the Western civilisation.

Syfte: Identifiera de olika betalningsmedlen för att finna samband mellan upplevelserna av deras säkerhet, enkelhet och hur dessa aspekter påverkar valet av betalningsmedel.Metod: Kvantitativ metodTeori: Litteratur, vetenskapliga artiklar och empiriska rapporterEmpiri: En enkätundersökning gjordes för datainsamlingSlutsats: Undersökningen bekräftar att både upplevelsen av säkerhet och enkelhet påverkar konsumenterna i valet av betalningsmedel. Vår undersökning visar att enkelhet ör den vanli-gaste och viktigaste orsaken för en konsument i valet av betalningsmedel. Undersökningen visar även att i olika ålderskategorier skiljer sig användandet av de olika betalningsmedlen åt och den visar även på olika värderingsgrunder vad gäller säkerhet och enkelhet mellan ålders-kategorierna för valet av betalningsmedel..

Vår utgångspunkt för uppsatsen var att erbjuda en fördjupning i bankens, enligt vår mening, intressanta affärsmodell. Utifrån vår fallstudie presenterar vi hur bankföretaget integrerar externt producerade finansiella produkter och vi studerar modularitetstänkandets eventuella tillämpbarhet på externt producerade finansiella produkter. Vidare ska vi identifiera möjliggörare, interna resurser som möjliggör strategisk flexibilitet och dynamisk förmåga.I det förändrade konkurrenslandskapets spår följer ett behov av att komplettera den resursbaserade ansatsen med begrepp som strategisk flexibilitet, dynamisk förmåga. Strategisk flexibilitet och dynamisk förmåga ställer ytterligare frågor om hur dessa skall hanteras varvid begrepp som absorption capacity och modularitet ytterligare definierar hur detta uppnås. Vi skall i denna studie analysera vilka interna resurser, möjliggörare, som är centrala för att integrera externa leverantörers resurser som sina egna..

There is much literature covering strategic change under different circumstances but very little concerning how companies act strategically under sudden and radical changes to market conditions. Based on three different events (the terrorist attack in the USA September 11th 2001, the Tjernobyl accident April 26th 1986 and the Islamic revolution in Iran 1979) with such radical changes as a result we chose three companies that were affected (SAS, Asea Atom and Atlas Copco). The result of the events that were studied in this thesis is extremely unusual to their character. The events themselves were sudden and of a temporary nature but the results were long term changes of market conditions. Through personal interviews the authors have tried to establish how the companies have perceived the events and how the top management has strategically handled the situation.

Bergslagens Sparbank as well as other independent(fristående) sparbanker have discoveredthat some of their customers can not separate them from Swedbank. Some customers maythus believe that they are the same bank. This study seeks factors that may contribute to thisproblem, and measures that can counteract. We refer to this problem as brand confusion andmainly have our focus on factors derived from brand alliance, but also from the companyitself and the banking industry. We use a qualitative method where we collect empirical datafrom interviews with four sparbanker.

This essay aims to broaden the understanding of intolerance towards people with religious and/or cultural Islamic association or background. This thesis has intolerance and Islamophobia as central components and starts with the question: In what manner do twelve pupils talk about Islam and Muslims in their third year of the vocational program, in small towns and in the countryside? The survey took place in the south of Sweden in a rural municipality where a total of twelve students from the industrial, electricity and vehicle program in the Swedish gymnasiums participated in two separate focus group interviews. The essay will use an intersectional analysis to see where the students position themselves and Muslims in relation to each other and to society. The essay also contains a comparison of Islamophobia in the country side and in the city environment.

The Syrian Muslim Brotherhood has since the start of the Syrian uprising in March 2011 moved from a low-key position in exile to become one of the main actors in the political opposition. There appears to be a consensus among researchers today on the democratic commitment of the Syrian Brotherhood. However, ambiguity remains regarding its commitment towards gender equality, women?s rights and participation. This essay focuses on the gender discourse of the Syrian Brotherhood?s leadership, according to its policy-documents, from 2004 ? 2013.

This thesis is of an historical nature and deals with two institutions in Bosnia and Hercegovina: waqf and the Library of Gazi Husrev bay. These institutions are placed in a societal context which makes it easier to understand their origins, development and decline. The purpose of this thesis is to describe and analyze the history of the Library of Gazi Husrev bay and its specific characteristics as well as analyze the institution of waqf in a societal context. The questions posed by this thesis are: What is waqf and its meaning? What are its benevolent as well as hostile periods? How did the Library of Gazi Husrev bay and its mission develop? The thesis is limited to waqf in its societal context.

North Korea is considered to be the most autocratic dictatorship in the world today. Its citizens are denied their most basic human rights and North Koreas ambition to pursue nuclear weapons is looked upon with great fear from the international community and the US in particular. Some experts say that the threat from North Korea is far greater than the one possessed by Saddam Hussein. Although North Korea seems to inhabit all the necessary criteria for an US military intervention the United States has openly declared its diplomatic ambitions with the state. Why?With the use of realist and social construction theory this study will bring clarity to why the United States prefers diplomacy instead of a military intervention.

Syfte: Syftet är att undersöka bankernas tillvägagångssätt när de lämnar krediter till en kund, vilka skillnader och likheter finns mellan de olika bankerna och på vilket sätt använder de sig av riskhantering vid kreditbedömning av hushåll?Metod: För insamling av det empiriska materialet har vi använt en         kvalitativ metod, i form av intervjuer med bankchefer. Det empiriska materialet analyserade vi främst utifrån teoretiskt material kring risker och riskmanagement, konkurrens och relationer.Slutsats: Riskbedömningen hos de olika bankerna görs i stora drag likartat, men det finns skillnader i bankernas hantering när det kommer till handläggarens frihet och hur de personliga relationerna spelar in. Vi kan se att riskhantering sker till stor del reaktivt, bankerna är passiva i förändring av riskhantering och behåller rutinerna så länge som möjligt. Undersökningen visar även att bolånen inte längre är den starka konkurrensfaktorn den tidigare varit för bankerna..

Starting in January 2007, capital adequacy of internationally active banks will be regulated by the new Basel Capital Accord, International Convergence of Capital Measurement and Capital Standards ? a revised framework, [Basel II]. The framework introduces for the first time minimum capital requirements for operational risk and encourages market discipline of capital adequacy by initiating requirements for public disclosure of quantitative and qualitative information on operational risk exposure. This thesis examines the nature, definition, management and public disclosure of operational risk in Scandinavian banks based on regulations and recommendations presented in Basel II. We find that the models currently available for addition of operational risk to the capital requirement do not reflect actual operational risk exposure of banks.