Titel: Kundens val av bank Nivå: C-uppsats i ämnet företagsekonomi Författare: Sanna Westling och Angelica Kjellin Handledare: Lars-Johan Åge Datum: 2012- januari Syfte: Syftet med denna studie är att belysa vilka faktorer som påverkar kunden i valet av bank och jämföra dessa med bankernas syn på vilka faktorer som avgör kundens val av bank. Målet är att presentera ett resultat som kan vara till nytta för bankerna i deras framtida marknadsföring. Metod: En kvantitativt inriktad enkätundersökning har via metoden snowballing spridits till respondenter. Resultat har mätts och presenterats empiriskt via staplar och diagram. Kvalitativa intervjuer har skett med bankerna där resultatet har kopplats till enkätundersökningen och en diskussion förts med kopplingar till teorierna vi presenterat och bearbetat med inhämtad sekundärdata. Resultat & slutsats: Vår studie utmynnade i att de tre viktigaste faktorerna för val av bank är kunskap, kundbehandling och säkerhet. Det visade sig att bankerna var på ungefär samma linje men att det fortfarande finns några kunskapsluckor här att fylla ut. Förslag till fortsattforskning: Vi har bara skrapat på ytan bland alla de orsaker som kan finnas till valet av bank.

Då avskaffandet av den lagstiftade revisionsplikten för småföretag är under utredning, är vårt syfte med denna uppsats att se vad ett avskaffande kan innebära för några utvalda intressenter..

Då avskaffandet av den lagstiftade revisionsplikten för småföretag är under utredning, är vårt syfte med denna uppsats att se vad ett avskaffande kan innebära för några utvalda intressenter..

This thesis aims at exploring a national collaborative gateway-service, PictureAustralia, hosted at the National Library of Australia. This will be done by means of investigating some underlying principles for descriptive standards and conventions as of the library discourse which is the objective of bibliographic control and access. The reason to do this is to bring some main features of these principles into the context of a cross-institutional cooperation between libraries, galleries/museums and archives in a picture database service. The attention will lay on the objectives of what functions the system is designed to perform to give access, as defined by Elaine Svenonius in the Intellectual Foundations of Information Organization 2000, and how these objectives will affect this particular database-service collocating performance, which is a system- and logical approach. Though, this study will be done in an explorative and qualitative way, by a case-study, which is to examine some sample metadata records emanated from different institutions in this project.

The purpose of this paper is to study how the TV program Border Security: Australia?s FrontLine (Gränsbevakarna Australien) can be seen to reproduce networks of human and non-human actors. The aim is thus to investigate how boundaries between nations are upheld and how people, as a consequence, are discoursively categorized and what preconditions this create for people?sidentity- and meaning-making practices.The theoretical and methodical framework is built upon Bruno Latour?s work on Actor-Network-Theory, and discourse analysis inspired by Michel Foucault. The empirical material consists of two episodes of the TV program.

Efter ett antal lagändringar har förutsättningarna för nyetablering på finansmarknaden blivigt allt enklare. Den tekniska utvecklingen har ytterligare förändrat förutsättningarna. I Sverige har de fyra storbankerna som består av Skandinaviska Enskilda Banken (SEB), Nordea, Föreningssparbanken (FSB) och Handelsbanker ca 80 % av marknadsandelarna. För de flesta hushållen är finansiella tjänster av vital betydelse och utgör i många fall en stor del av hushållets utgifter. Konkurrensverket menar att många hushåll skulle spara ett betydande belopp genom att aktivt välja bank.

The national bibliography is an important tool in information retrieval. Bibliographies as lists of books have existed for centuries, but the national bibliography as we refer to it today, as a directory of the total national imprint, has only existed for about 50 years. The object of this thesis is to investigate music documents in Scandinavian national bibliographies. The method I have used for this investigation is a comparative study of the music departments in the national bibliographies in Norway, Sweden and Denmark. The investigation is performed by answering the following questions: How do Norway, Sweden and Denmark live up to IFLAs Guidelines and recommendations for the national bibliography? Can one discern any differences between the three countries in this area? The documents in focus are sheet music and phonograms.

The purpose of this thesis was to look at the relationship between the experiences of work related stress among male bank employees and how they dealt with potential stress. The thesis focused on male bank employee?s experiences and management of work related stress with the control requirements and support model as a starting point. Work related stress is a phenomenon that has become a serious problem with economic impact for both the individual and organizations. Increased absence from work due to medical issues is one example of such consequences.

Australia is one of the largest producers and consumers of fossil fuels in the world. In a society where the effects of fossil fuels on global warming are constantly discussed, the nation?s production and consumption are subject to debate. Problems arise when negative aspects of consumption, such as emissions of greenhouse gases, are put in relation to an increased need of energy and economic growth. However, it is important to distinguish between different types of fossil fuels when it comes to their individual impact on the environment and to analyze the possibilities to increase the more environmental friendly ones.

This study examines the effects of credit risk and information disclosure in the new bank regulating system Basel II on bank and bank customer. The effects are then discussed in a perspective of the economic man and information asymmetric theories. Furthermore is the Basel II effects on the capital adequacy of Andelsbanken för Åland examined.The approach of the study is qualitative and several interviews with individuals on different levels of the examined bank, Andelsbanken för Åland, have been carried out during the collecting of empirical facts about the effects of the regulating change from the Basel I system to Basel II.The research findings are as follows:Andelsbanken för Åland have increased its capital adequacy ratio from 12,7 percent to 14,4 percent, mostly due to lower risk weights on housing mortgages compared to Basel I. Andelsbanken för Åland have started to use a completely new credit risk and customer assessment system which classifies every customer and gives them a credit rating. The system cause a much heavier information gathering of the customers profile as well as a much better assessment of risk than the previous system, which the bank finds positive.

The thesis aims to analyze strategic, cultural and structural aspects of Grameen Bank and its micro-credit project, in order to identify key success factors. A case study was performed with an inductive and qualitative approach, using semi-structured interviews. The data was collected by field observations and interviews on site in Dhaka, Bangladesh and surrounding areas.The main conclusion is that the critical success factor of Grameen Bank is the relationship focus, guiding and aligning its strategy, culture and structure. Also, local offices have been observed to utilize practices not permitted by the bank?s management, ultimately increasing the organizational efficiency..

Uppsatsen är en fallstudie av Nordea, Provinsbanken, Handelsbanken, Föreningssparbanken och SEB. Uppsatsen syftar till att undersöka hur banker arbetar med kundrelationer och vilka kundmått som används..

Bishop Alois Hudal is a man who is often mentioned when the relationship between the Vatican and the national socialistic Germany of 1933-1945 is discussed. In these cases he is usually presented as a Nazi and sometimes even called ?the brown Bishop?. One of the contributing factors for this infamous title, perhaps the most contributing, is the Bishops book Die Grundlagen des Nationalsozialismus. National Socialism is a Weltanschauung with a certain set of doctrines that is hard, or rather impossible, to combine with any other Weltanschauung, whether it is a philosophical or a religious one.

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.

Speaking of budget and budgeting is almost as adding fuel to the fire. The subject evokes a lot of emotions, both positive and negative. Some might consider budgets as a bureaucratic process that won?t lead to any good. Others might find budgets as extremely helpful and necessary in a company?s planning process.