Since the financial crisis of 2007, the global financial market has been characterized by instability. At the same time the banks? lending rates and its link to the reporänta have been in the spotlight in various debates in the media. The government with Anders Borg leading the charge has criticized the banks for not lowering their lending rates when the reporänta has been lowered. The banks defend themselves by saying that the reporänta does not have a direct link to their lending rates anymore.

Purpose/Aim: The purpose of this study was to investigate future marketing channels from the perspective of professional marketers.Material/Method: The study is based upon interviews with six professional marketers.Main results: Traditional marketing is not being put aside but needs to be combined with new methods. There are several new and exciting ways to gain attention from the audience, all depending on the purpose of the campaign. Mobile technology is considered upcoming and target group defining is a key issue..

In some cases there are no methods to identify raw material which are included in dietary supplements such as tablets. The identification can be done with TLC. A general method description was developed using the raw material gotukola and appel cider vinegar. This includes processing to achieve higher concentration of the active ingredient if needed; evaluation of solubility agents to dissolve the active substance; evaluation of mobile and stationary phase and visualization of the stationary phase. The report also includes an evaluation of stationary plates..

Examensarbetet syftar till att konstruera operatörsgränssnittet till en UGV (eng Unmanned Ground Vehicle) för mobil rekognosering i tätbebyggt område. Operatörsgränssnittet består av både mjuk- och hårdvara. Till operatörsgränssnittet har ett grafiskt användargränssnitt utvecklats där tonvikten legat på användbarhet med funktionalitet för positionering med geografisk presentation och sensorpresentation. Förutom en presentationsenhet för sensorinteraktion och manövrering av farkost ingår en sändtagarenhet för kommunikation mellan operatör och farkost. Två uppsättningar av systemet levererades till försvarsmakten för användning vid metodförsöksstudier..

In the proposition Nya förmånsrättsregler, 2002/03:49, the government suggests a new bill of beneficial rights, or FRL. The proposition has several changes, mostly for The Banking system. One of the changes is that the banks´ individual beneficial rights shall be replaced by a general beneficial right, where the beneficial value never exceeds 55 percent of the value of insurance bonds. Previously, the beneficial value was 100 percent.The purpose of this essay is to evaluate the relationship between the banks´ activities, and the new bill of beneficial rights, especially what the effects will become for the public companies within the printing houses, with 1 - 49 employees in the Skåne Region.The survey includes a total of 142 companies and it was distributed via e-mail. The conclusions from the study are that there are tendencies of increased difficulties for companies to get their credits granted by the banks.

Animal welfare during transport has for a long time been a problem around the world. Many animals are transported in stressful environments for slaughter. Even during Roman and Antiquity times wild animals were transported from Africa to the amusement parks in Rome. The aim of our work was to compare how well Sweden and Denmark are performing their inspections of transports of cattle and pigs for slaughter. Today, overloaded transports and poor treatment is not uncommon in Europe and every year 22 million animals are transported between countries.

Trough a literature study based on both philosophic and objective fact this essay is taking off in the meaning of public space. It investigates how the information society and its virtual world are affecting the idea and use of public space in the city. The city and the actual world have developed from the traditional meeting between people while the virtual world is based on flows of information. The information flow has expanded through the Information and Communication Technique (ICT). ICT covers among others Internet, mobile phones and computers.

iPhone belongs to the group smartphones. It is a type of mobile phones that has a richer interface and allows more advanced preformences, i.e surfing the Internet and handling e-mails. This report outlines the work to develop an iPhoneapplication from idea to released product. The project is a thesis which was commissioned by ICA AB (a major Swedish grocery chain). The report includes how the work has been carried out in practice and theory.

Interna privata nätverk har länge använts av företag för att främja kommunikation och informationsspridning genom lokala accesspunkter till intranätet. Då teknologiutvecklingen fortsätter mot en högre grad av mobilitet genom inte bara WiFi, utan även 3G och 4G, har behovet av att utvärdera extern tillgång till företagets intranät blivit allt större. För att uppskatta värdet av extern tillgång av intranät via mobila enheter är det av intresse att identifiera de förutsättningar som skapar ett lyckat mobilt intranät. Det är även viktigt att identifiera potentiella möjligheter till optimering av företagsprocesser som mobil tillgång till intranät kan skapa inom organisationer. Mobil tillgång till kritisk data, dokument eller verktyg kan hjälpa anställda ute på fält.

Syfte: Syftet är att förklara hur tillfredställelse, förtroende och engagemang inverkar på varumärkeslojalitet i en kontext av självservice.Hypoteser: Följande hypoteser är uppsatta av författarna:H1: Tillfredställelse har en inverkan på konsumentens varumärkeslojalitet i en självservicekontext.H2: Förtroende har en inverkan på konsumentens varumärkeslojalitet i en självservicekontext.H3: Engagemang har en inverkan på konsumentens varumärkeslojalitet i en självservicekontext.Teori: Varumärkeslojalitet; tillfredställelse, förtroende och engagemang.Metod: EnkätundersökningSlutsats: Hypotes1 kan utifrån den här studien accepteras. Hypotes 2 kan utifrån den här studien accepteras. Hypotes 3 kan utifrån den här studien accepteras..

During the year 2014, Artex AB has worked to launch a new product whose function is to locally purify the air. The product is a headboard and its purpose is to give the user clean air while sleeping. The air purifier has different speeds and it`s up to the user to choose which effect that will be on. To get the best experience of the product as possible, the air purifier shall be controlled by a mobile application. In that way the user can increase and decrease the fan speed, even when the user not is home.

Uppsatsens syfte är att diskutera lean konceptets roll vid organisk tillväxt, för svenska banker. Mer konkret ska kreditgivningsprocess mellan en bank och dess företagskunder diskuteras och analyseras med hjälp av lean konceptet. Uppsatsen är baserad på en kvalitativ ansats. Där empirin består av en semistrukturer intervju, telefonundersökningar samt enkäter. De teoretiska kapitlen är den sekundära datainsamlingen.

The purpose of this project was to create a system which can handle issues, with other words an issue tracking system. The system must create issues, assign issues to a specific user and list all issues for each user. On top of that, each issue should have a log where users can log whatever they want.My part of this project was to implement a client which can fulfill this basic criteria (and a bit more if possible), and communicate with the server which has procedures to be executed by the client.This system is based on Android and has it purpose to be used by mobile devices which support Android. ?Ichnaea? as the system is called, is meant to be used by companies to have human interaction through the network..

The purpose of this study is to analyze how companies that sell financial services can reach people in the younger audience. The financial services that we refer to are regarding banking and insurance for private users, and with the younger audience we refer to people in the age of 18 to 25. We think that this is a valid and interesting issue to study because of the common thoughts that persons in this age are common users of Internet, social medias and new technology. The main question through our study has been; ?How a financial company can attract the younger generation, and support their creation of value?" Our research is based on a qualitative method.

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..