The recent turbulence in the financial markets has contributed to the banks becoming more restrictive to lend to real estate financing. Deleveraging in Europe's banking sector has also contributed to banks reducing their leverage and increasing capital adequacy to meet the new requirements. Loan-to-value ratios in real estate loans have fallen while banks' interest margins have increased, which has made property investors to look for alternative sources of funding in the capital markets. The two most interesting forms of financing for real estate right now is bonds and preferred shares as they fit property companies that generate stable and predictable cash flows. A bond is an interest-bearing debenture certifying that the purchaser has lent money to the company that issued the bond.

In recent decades here has been a huge development in information technology (IT), where we humans are increasingly using IT in our daily lives, ranging from social media to music streaming services; this has also been a reflection of the technologies developed to our cars. Infotainment systems have become an increasingly regular feature in modern cars where the high degree of integration such as navigation, mobile and Internet has become more common and more sought after. Despite this, relatively little research problemized User Experience of a complex infotainment system in a car. This study thus has the intention to consider the relevance of reality based tests by examining how the user experiences a complex infotainment system in a car. We asked ourselves; How do the user experience a complex infotainment system in a car? We conducted our qualitative study, an interview with researchers in the field of vehicle and road safety and designed a number of system-related activities in a test session where we observed three users.

Syfte: Att undersöka svenska renodlade Internetbanker - ?PPI-banker?, och utefter deras strategi studera deras lönsamhet samt om de utgör risker för den finansiella stabiliteten.Teori:  Tidigare forskning kring PPI-banker har påvisat varierande resultat och fokus har skiftat från PPI-bankernas prestation till deras påverkan på den finansiella stabiliteten. Det teoretiska perspektivet vidgas med traditionella teorier kring bankers strategier och risker. Riskerna som behandlas är främst likviditetsrisk samt risker för stabiliteten i det finansiella systemet.Metod:  Studien har genom blandad strategi, med kvantitativ metod för datainsamling och en kvalitativ analys studerat svenska PPI-banker. PPI-bankerna har jämförts mellan varandra men även som grupp mot de fyra svenska storbankerna för att studera strategi och prestation på marknaden.

New innovation and technology have influenced the development of product development processes and the four largest banks in Sweden have more or less been forced to adapt their products and services along new customer requirements. It may therefore be considered appropriate to involve customers in this process. This by collecting customer information and allow customers to influence the process to a greater extent. The payment solutions of Sweden?s largest banks' continue to evolve and to pay with electronic money has come to change banks' product development processes of payment solutions.

Money by definition is always a subjective human creation. Because of this it is unavoidablethat the physical and mental structure of a specific money system will have an effect on thesociety where it is circulating. With this fact as a starting point, the thesis is analysing whetherthe Swedish national currency, the crown, is consistent with a sustainable development. Theaim of the analysis is to: (a) identify the major shortcomings of the infrastructure of the crownin relation to its ability to support a sustainable development, (b) evaluate what possiblesolutions there are at hand to adjust for the shortcomings. The method used is purely based ontheoretical analysis, with emphasis on abstraction and causal simplicity.In a modern society, money is not only circulating as coins and bills, but also as digital assetstransferred directly between bank accounts.

A Geographic Information System (GIS) is about presentinginformation with the map as a base. This is increasingly being used on internetsites and in mobile apps. With a GPS it is possible to see where you are andhow to reach a destination or check if the bus is in time. A question to ask isif this technology is possible to implement in ordinary primary schooleducation. If it is, learning history, geography, religion and so on with a GISlearning tool might be possible.

Abstract Road cycling is well established and has always been described as a highly endurance sport. To be able to compete in such a demanding sport the physiology of the athletes needs to be greatly developed. This review will focus on high intensity interval training and its impact on the physiological characteristics of competitive road cyclists. The main difference between different levels of competitive road cyclists seems to be the capacity to maintain a high sub maximal power output over a long period of time in order to succeed. High intensity interval training, from 30 seconds to 5 minutes, leads to improved VO2peak, aerobic peak power and time trial performance.

Det blir allt vanligare att utveckla mobilapplikationer för flera plattformar parallellt, samtidigt ärden information som finns tillgänglig för metoder av detta slag knapphändig.Rapporten beskriver utvecklingen av en mobilapplikation till flera plattformar. Det verktyg som använts är ramverket PhoneGap, med hjälp av PhoneGap kompileras en webbapplikation till en mobilapplikation. Det innebär att en webbapplikation utvecklas med hjälp av verktyg somHTML5, CSS3 och JavaScript. För att få en ?mobilkänsla? har ramverk som jQuery Mobile använts.

The main topic of this thesis is to evaluate the impact on the usability of web pages when using responsive web design, a concept for developing web pages whose design adapts to the screen size being used. This is done by creating a responsive prototype based on an existing web site. A number of usability tests are conducted on the two versions of the site in order to compare the time to complete the tests and to observe the behaviour of the test participants. The tests are conducted on desktop as well as on mobile devices with varying screen size.The number of test participants was relatively low, and so the quantitative result is not statistically valid. However, the conclusion is that the most effective combination is to use either of the sites on desktop format.

Radio frequency identification (RFID) is a versatile wireless technology usedworldwide. The fields of applications are many and its popularity constantlygrows due to smaller in size, better and less expensive components. RFID isused to identify, track or share information about an object using radio waves.This master thesis describes the process of designing and implementing ahandheld UHF RFID reader. The goal was to, based on a UHF RFID-chipdesign a fully functional, small in size and power efficient device. Amicrocontroller provides the user interface and is also used to control theRFID-chip and a Bluetooth device.

Denna rapport är resultatet av ett examensarbete på Malmö Högskolas Produktdesignprogram. Projektets syfte har varit att utforska framtiden inom mobil kommunikation. Det är utfört av Victor Johansson i samarbete med Sony Ericsson Mobile Communications AB. Allt fler funktioner flyttar in i våra telefoner; biljetter, betalkort, kartor, tidtabeller och fotoalbum. Genom att dessa saker flyttar in i telefonen blir de immateriella. Men vad händer när allt fler saker blir immateriella och interaktionen med denna icke-fysiska värld förblir platt och endimensionell? Finns det bättre sätt att nå, hantera och ?greppa? i denna världen? Projektet började med en studie vilken till stor del bestod av trendanalyser.

Time changes, so also in sport. The small venues become larger and more modernized. As stadiums grows, so also does sponsorship and its popularity, around them. Is it enough as a sponsor only to expose yourself these days, or does the new times require more creativity to stand out from all the media?This work is done for Stadium AB in Norrköping, and treats questions such as; what type of sposnorcummunication that is proper to use around the soccer stadium, and if it is possible for new ideas in the future when Stadium is hosting a game? To answer these questions theory has been read about sponsorship and data has been gathered through qualitative interviewswith soccer clubs and sponsorship consultants.The work result shows that there are some general rules that the company should follow tosucceess when hosting a game.

China has the world?s largest population and during the last thirty years the country has implemented political and economical changes that have affected China to move towards a more western market economic direction. At first this development was going slow but during the last five years it has increased which today has made China the world?s greatest growing economy. China?s improved cooperation with the world is one reason for this growth which has led to a cumulative of the consumer market.

Det blir allt vanligare att utveckla mobilapplikationer för flera plattformar parallellt, samtidigt ärden information som finns tillgänglig för metoder av detta slag knapphändig.Rapporten beskriver utvecklingen av en mobilapplikation till flera plattformar. Det verktyg som använts är ramverket PhoneGap, med hjälp av PhoneGap kompileras en webbapplikation till en mobilapplikation. Det innebär att en webbapplikation utvecklas med hjälp av verktyg somHTML5, CSS3 och JavaScript. För att få en ?mobilkänsla? har ramverk som jQuery Mobile använts.

Background: The Swedish Financial Supervisory Authority?s mortgage limitation, of mortgaging up to 85 percent of the market value of the real estate was introduced on the first of October 2010. The aim of the recommendation is to prevent a detrimental development of the market for mortgages while at the same time creating incentives for the consumers to limit the debt level. The mortgage limitation is a recently adopted recommendation and few studies have made a thorough analysis of its effects, hence it is an interesting topic to study.Aim: The aim of this study is to analyze the initial effects of the mortgage limitation for consumers, banks and estate agencies. Furthermore, the study aims to evaluate drivers of consumer debt levels and conclude whether the mortgage limitation will result in lower debt levels for consumers.Completion: The study is based on interviews with respondents from banks and with respondents from estate agencies to enlighten the initial and long term effects of the mortgage limitation.