The current financial crisis has left its mark. It has even hit the major Swedish banks who have shown large losses. The media has not been slow to take note of this, and the constant political debate about the bonus culture has been reinvigorated. Our aim is to find out how the major Swedish banks relate to the publicity and describe how and why senior executives are rewarded, and what strategies banks are using in the design of their reward system to maintain a legitimate behavior, and thus the confidence of its stakeholders.As a starting point to answer our purpose we have used the agency theory that describes our view of how various problems occurs and how incentives can be established in order to get senior executives to act for their owners' interests. Modern theories of reward systems are taken from a variety of authors, these theories give us an insight into how reward systems can be designed in banks.

SEB Merchant Banking provides to its institutional customers a true market neutral product called Dynamic Manager Alpha (DMA). The DMA is constructed by a long position in an exceptionally well performing mutual fund and a beta adjusted short position in an appropriate index. The key to making the product market neutral is adjusting with the correct beta, since the beta changes, it is very important to have a good model for predicting beta in the future.This master thesis begins with describing what beta is in a CAPM sense. It then continues with recognizing the so called ?Two Beta Trap?, which separates two kinds of beta.

Bakgrund: Under 80- och 90-talet startade en debatt om den ekonomiska styrningen där styrning efter finansiella nyckeltal kritiserades. Att enbart styra ett företag efter finansiella nyckeltal ansågs inte enligt kritiker förbättra områden som kundnöjdhet, innovation, kvalitet, cykeltid samt motivation hos medarbetare. Balanserade styrkort används som ett redskap för planering och uppföljning. Ett styrkorts främsta syfte är att översätta strategiska mål och visioner till ett antal sammanhängande prestationsmått. Dessa mått delas in i olika perspektiv som vanligtvis är finansiella, kundfokuserade, processfokuserade och innovationsfokuserade.

Syfte: Syftet med uppsatsen är att undersöka när och på vilket sätt små- och medelstora företag i Västerås vill sköta sina bankärenden samt att undersöka vilken betydelse bankens tillgänglighet har för dessa.Problemfrågor: Vilken betydelse har tillgängligheten för bankens företagskunder? När och på vilket sätt vill företagskunderna sköta sina bankärenden?Tillvägagångssätt: Utifrån en djupdykning bland sekundärdata kring relationer till banken utformades en enkät utifrån den teori som ansågs relevant för utredningen. För att kunna uppfylla syftet och besvara problemfrågorna har vi med hjälp av enkäten genomfört strukturerade telefonintervjuer för att samla in primärdata.Resultat: Företag anser att kontakten med deras kontaktperson i banken samt hur och när de kan kontakta banken är av stor betydelse. Majoriteten vill kunna kontakta och besöka sin bank mellan kl.10.00-15.00, medan en liten del vill kunna göra detta mellan kl.08.00-17.00, något utökat från de ordinarie banktiderna. Mest betydelsefullt för bankens tillgänglighet är utbudet av tjänster och betydelsen av Internet och Internetbanken framhävs av ett stort antal respondenter som det vanligaste sättet som företagarna själva vill sköta sina bankärenden på.

Abstract The technology has made it possible for you as a train traveller to be available in other places than stations and on the train. You now have the possibility to communicate by the phone or through the Internet to get information about the train you want to take. Development in mobile technology gives us new possibilities to communication. We want to find out whatever SMS would be a suitable approach to inform passengers about delays. The problem formulation is ?If the technology is available to inform the passengers about delays in an more effective way than today, then why not use it? The ?Kustpilen? that operates in Blekinge and Skåne is the case for our study.

SEB Merchant Banking provides to its institutional customers a true market neutral product called Dynamic Manager Alpha (DMA). The DMA is constructed by a long position in an exceptionally well performing mutual fund and a beta adjusted short position in an appropriate index. The key to making the product market neutral is adjusting with the correct beta, since the beta changes, it is very important to have a good model for predicting beta in the future.This master thesis begins with describing what beta is in a CAPM sense. It then continues with recognizing the so called ?Two Beta Trap?, which separates two kinds of beta.

No other object is in our constant possession such as the mobile phone. The smartphone has been transformed into a worldwide forum for information-rich exchanges between individuals and companies, by which this rapid access to the smartphone has created and continues to create opportunities in terms of communication. Many researchers of today undertake the challenge of studying the smartphone's role as a marketing channel, and the role of the channel is now undoubtedly central in marketing. However, as the importance of marketing communication increases and despite the fact that survey methods are exceedingly dependent on a channel to fulfill its purpose, namely carry out questionnaires, there has been surprisingly little attention to the study of the channel's role and importance when carrying out surveys. The main purpose of this paper is to investigate whether the choice of a communication channel affects the survey outcome and, if so, further investigate how survey methods differ in terms of consumers' attitude and also their perception of their privacy.

Idag lever vi i ett samhälle där smartphones blivit allmänt förekommande. Som en följd av ökade nätverkshastigheter har möjligheterna att enkelt få tillgång till information aldrig varit bättre. Den ökade användning av smartphones har också skapat möjligheter till en rad olika applikationer såsom platsbaserade applikationer som använder sig av pushtjänster. I vår studie har vi undersökt frågan ?Hur kan platsbaserade pushtjänster som ett verktyg för direktmarknadsföring designas för att möta smartphoneanvändares behov??. Genom en litteraturstudie har vi sammanställt och identifierat designteman från tidigare HCI- och interaktionsdesign forskning.

A webpage can be perfectly usable but if users are unable to find the webpage it will remain unused. Nine out of ten Swedes use a search engine and the most popular one is Google, amongst other search engines. In this report I seek to answer which ranking factors that should be included in an SEO-audit of an existing webpage and also how to optimize a webpage for search engines. Applying the method heuristic evaluation normally used to discover usability issues in an existing interface, on TT News Agency?s campaign site I found issues having a negative impact on the visibility in Search Engines Page Results.

The purpose of this study is to develop and practically evaluate a new approach for the introduction of changes in internal and external processes in a customer front, but with the aim of maintaining or increasing customer perceived quality during insertion. A working model has been developed and is used in a qualitative research in the form of a case study carried out in a customer front, on a customer group in Telia's mobile customer service in Sweden. There is currently little research that has studied the implementation phase.The results of the study show that the designed working model works satisfactorily, but also that it can be developed more. Employees are satisfied and the sale was a positive boost, however, declined the customer experience a little bit. Employees raises questions as leader behavior, confidence in the group ahead, everyone's different circumstances and desire for the individual choice.The biggest challenge for future leaders will be to manage and lead continuous change.

Communication between people who already know eachother, and who use a social online platform to do so, have been thouroghly studied for years. Thus, the majority of the people we connect with on a day to day basis are friends and acquaintances. As children we were taught not to talk to strangers, and as we grew older we learned to avoid people who act suspiciously. These and many other factors are part of the reason we avoid strangers, but are we doing so wrongfully? Studies have shown that there are many benefits in everyday interaction with strangers, some of which are an estimated increase in happiness and letting people seemingly forget about previous grievances.

Varje dag interagerar samhället med nya produkter och system som måste varaanvändbara och därför är användbarhet är ett viktigt begrepp i detta sammanhang. Föratt enklare integrera användbarhet i utvecklingsprocesserna för dessa produkter ochsystem, används ISO-standarden för användarcentrerad design.Syftet med denna studie är att undersöka huruvida Monitor ERP System AB bedrevanvändarcentrerad design i utvecklingsprocessen av deras mobila applikation - MonitorMobile. Som hjälp i denna utredning används ISO-standarden för användbarhet ochanvändarcentrerad design. För att besvara problemformuleringen, har jag genomfört enretrospektiv studie och intervjuer med beställare och utvecklare. För att sluta sammanutredningen har jag också skickat ut en enkät till användarna.Resultatet visar att Monitor är villig att arbeta nära användarna, men de introducerardem inte i processen.

Enligt kommunikationsmyndigheten PTS finns det cirka 10miljoner mobiltelefonabonnemang endast i Sverige. Telefonerna innehåller operativsystem där det tillåts mängder av olika sorters program. I och med att Apple 2007 introducerade sin iPhone exploderade marknaden för så kallade Nomadic Devices. En telefon som mer är tänkt att fungera som någon form av handdator. Dessa telefoners utformning och funktioner möjliggör för utvecklare att ta fram mer avancerade program än man tidigare sett för mobiltelefoner.

SEB Merchant Banking provides to its institutional customers a true market neutral product called Dynamic Manager Alpha (DMA). The DMA is constructed by a long position in an exceptionally well performing mutual fund and a beta adjusted short position in an appropriate index. The key to making the product market neutral is adjusting with the correct beta, since the beta changes, it is very important to have a good model for predicting beta in the future.This master thesis begins with describing what beta is in a CAPM sense. It then continues with recognizing the so called ?Two Beta Trap?, which separates two kinds of beta.

The running of gas turbines with low emissions causes high pressure pulsations to arise in the combustion chamber. These pulsations are high amplitude sound vibrations. At some frequencies these are harmful to the gas turbine. Hence these pulsations are monitored to avoid operating conditions where pulsations are specifically harmful. It is necessary to expose the system of known pulsations to verify the functionality of the monitoring process.