Course:Business Administration, Master Thesis, Second Level, 30 Credits.Authors:Sara Frännlid and Helena RamstedtTutor:Jim AndersénTitle:Internet, relationships and loyalty ? Best praCtice foR the bankMarketPurpose:The study aims to explain how banks use electronic customer relationship management, eCRM, to create loyal customers. A figure will be created, which will enlighten the factors a bank should focus on when enhancing customer loyalty through the internet. Through interviews with two successful banks is it possible to study how a bank can successfully create loyal customers.Methodology:A qualitative method in terms of semi-structured interviews is used. The empirical results were then analyzed with the theory in order to contribute with a new figure.Theoreticalperspective:The theory describes how a bank can create a loyal customer over the Internet.

The purpose of this study is to determine if and how male or female everyday languagesdiffer. The study is based on ten interviews with five men and five women living inHalmstad, who are between the ages of 22-29. The interview results were analyzed andcompared with previous research on the subject. The result shows that there is adifference between the male and female informants use of language. Women laughing,using italics, hedges, the word så ?so? and response signals to a greater degree than men.The reason may be that men and women basically use different conversation styleswhen they communicate, that men prefer a public speech, intended to provideinformation and knowledge.

Problem and purpose: The authors were interested in studying how large Swedish banks managed liquidity risks when facing the financial crisis of 2008 and whether the implementation of Basel II framework had an impact on the major Swedish banks' capital adequacy. Furthermore, the authors intend to examine how, based on the analysis of the implementation of Basel II, the introduction of Basel III will affect major Swedish banks' liquidity in the future.Method: The essay is written from a quantitative approach and has a deductive perspective. Data was collected from the annual reports of the selected banks to later use relevant theories to analyze the work.Theory: This part of the essay presents relevant theories, a detailed description of the Basel regulatory framework and its requirements, rules for capital adequacy and to relevant key to achieve the Basel regulatory requirements are considered. Furthermore the authors present criticism of the Basel framework and a summary of the key theoretical points to be used for analyzing empirical data.Empirical: In this chapter the data collected from selected banks is presented and processed.Conclusion: The essay authors present the deficiencies and weaknesses that make the Basel II regulatory framework inadequate for the Swedish financial market. Essay authors also present their opinions regarding how the latest form of the Basel regulations could have a more significant influence on the long-term stability of Swedish banks and how this may increase protection against potential liquidity risks..

Our project is divided into two parts, one production and written report. The main focus was the production part, were we used PHP to create simple solution for handling SMS and MMS with direct communication with the mobile operator server. We communicate with sockets and can handle CIMD2 and MM7 protocol. To get our components easy to use we have created two classes to handle SMS and MMS. To demonstrate our technical platform we created a website were you can create an account.

AbstractTitle: Level/Degree/Grade:Authors:Supervisor:Research question:Purpose:How the bank may improve its financial counselling ? A qualitative case study.Bachelor Thesis; Business administration; Corporate finance.Andreas A?strand, Anton Persson, Kristoffer Wedebrand.Hans Mo?rner.How may the bank improve its financial counselling to private investors using portfolio theory?Our purpose is to examine the advice, with basis in portfolio theory, the bank?s financial advisors provide to their clients, the investors, and how they can improve. If we can identify and point out areas of improvement in the financial counselling, we hope to raise the question and contribute with an improved financial counselling. Another positive effect we are hoping for is to improve the situation for the investors whereas all parties benefit from an improved portfolio selection.This study is conducted through a qualitative case study, where we used a deductive approach and collected our data through personal interviews.The conclusion that emerges is that the financial counselling could potentially be improved if financial advisors improve their knowledge in portfolio theory.The originality shapes through the opportunity to investigate a specific bank and because of that an opportunity to examine a specific case more thoroughly was created. Our thesis contributes with opening La?nsfo?rsa?kringar?s and other banks? eyes to how their financial counselling could be improved through new knowledge in portfolio theory.

Title:Cash is King ? or is it?Level:Final assignment for Bachelor Degree in Business AdministrationAuthor:Caroline Eng and Jessica HillbergSupervisor:Jonas KågströmDate:2011- 06Aim:There is a long tradition of trading the currency and the first coins can be traced back to Persia already 500 BC. With the modernization of society and the technological advances we have made in recent years, we are now using electronic payments more and more. We pay by card, Internet banking and mobile phone in addition to cash. The purpose of this paper is to follow Swedbank project "cash smart" and have it as a basis when we examine if we are heading for a cash-free society and what obstacles and opportunities there is for a cash-free society.Method:We have used a qualitative method to conduct interviews with two individuals involved in the project "cash smart" at Swedbank in Gävle.

Article 4.1(h) in the Rome I regulation establishes which law that will be applicable on contracts concerning financial instruments concluded in multilateral systems. The main problem is that most contracts concluded within these systems have standard clauses which contain a clause on the applicable law. If this is the case, Article 3.1 in the Rome I Regulation is applicable instead. This problem makes it difficult to find a need for article 4.1(h) if it will only be applicable in exceptional cases. However, the legal position on this matter is still unclear since the Rome I Regulation has just been put into force.

Title:Cash is King ? or is it?Level:Final assignment for Bachelor Degree in Business AdministrationAuthor:Caroline Eng and Jessica HillbergSupervisor:Jonas KågströmDate:2011- 06Aim:There is a long tradition of trading the currency and the first coins can be traced back to Persia already 500 BC. With the modernization of society and the technological advances we have made in recent years, we are now using electronic payments more and more. We pay by card, Internet banking and mobile phone in addition to cash. The purpose of this paper is to follow Swedbank project "cash smart" and have it as a basis when we examine if we are heading for a cash-free society and what obstacles and opportunities there is for a cash-free society.Method:We have used a qualitative method to conduct interviews with two individuals involved in the project "cash smart" at Swedbank in Gävle.

Vårt syfte med uppsatsen är att beskriva, analysera och diskutera förutsättningarna för utformning av Balanced Scorecard i mindre banker. Detta gör vi genom att genomföra en fallstudie på Färs & Frosta Sparbank utifrån en teori- och en referensstudie.Uppsatsen kan beskrivas som en kombination av deduktiv och induktiv ansats eftersom den grundar sig på både teori och empiri. Uppsatsen innefattar en teoristudie, en referensstudie samt en fallstudie av Färs & Frosta Sparbank. Teoristudien består av sekundärdata som insamlats genom litteratur och artiklar. Datainsamlingen till referensstudien består av både sekundär- och primärdata i form av litteratur och intervjuer.

This thesis discusses the concept of Corporate Social Responsibility, which means that companies are taking a voluntary accountability towards the society with a view to improve it. Today's stakeholders and people in general have higher demands and expectations on businesses and its products or services than before. This is driving more and more companies to consider questions like voluntary responsibility so that they can maintain public confidence. Confidence towards the banking sector is particularly important to avoid financial crises. Our study focuses on leadership impact on CSR.

Bakgrund: I en artikel i nättidningen E24 menar Isacson (2009) att den finansiella krisen uppdagat att förtroendet för de svenska storbankerna har minskat och det visar sig genom att många kunder valt att lämna sin bank. När kunderna inte längre är lika lojala som de varit tidigare är det viktigt att bankerna arbetar med att återfå kundernas förtroende. Då bankerna är en del av tjänstesektorn innebär det att de anställda är av stor betydelse för att kunderna ska välja en specifik bank och därför spelar rådgivarna på kontoren en viktig roll i förtroendeskaparprocessen.Syfte: Syftet med studien är att utifrån rådgivare på de svenska storbankerna Swedbank, SEB och Handelsbankens perspektiv identifiera hur kundernas förtroende byggs upp och bibehålls för respektive bank. Studien undersöker även hur svårigheter som framträder vid en förtroendeupplösning hanteras.Metod: Studien bygger på kvalitativ metod där det empiriska materialet består av intervjuer med 14 rådgivare och två kontorschefer på tre olika banker i tio olika städer.Slutsats: Hur förtroendet byggs upp och bibehålls hos kunderna är likartat hos de olika bankerna även om det finns skillnader i deras sätt att arbeta. Förtroendeskaparprocessens tyngdpunkt läggs på det personliga mötet.

Course:Business Administration, Master Thesis, Second Level, 30 Credits.Authors:Sara Frännlid and Helena RamstedtTutor:Jim AndersénTitle:Internet, relationships and loyalty ? Best praCtice foR the bankMarketPurpose:The study aims to explain how banks use electronic customer relationship management, eCRM, to create loyal customers. A figure will be created, which will enlighten the factors a bank should focus on when enhancing customer loyalty through the internet. Through interviews with two successful banks is it possible to study how a bank can successfully create loyal customers.Methodology:A qualitative method in terms of semi-structured interviews is used. The empirical results were then analyzed with the theory in order to contribute with a new figure.Theoreticalperspective:The theory describes how a bank can create a loyal customer over the Internet.

The knowledge of early employment experiences has evolved over the last decade in countries such as Australia and Great Britain. In Sweden, this type of research is still unusual and the aim of this study was to break new ground by highlighting some areas that could be of extra interest in the Swedish early employment research to come. A focus in the study was to give an overview of what job sectors school students work in; and the amount of jobs aquired through school-organized work placement, private social networks or personal marketing of own merits. In addition to this, a multi variate analysis was carried out to find patterns in the picture of early employment experiences among students at upper secondary school. The findings of the study has relevance for ways of conducting career counselling and therefore the general aim of this study is to point out the importance of developing the practises of vocational psychology.A survey among 74 teenaged school students with economics as their main subject has been carried out in a mid-size Swedish city May 2012.

The internet has fundamentally changed the way people communicate. With all the information that we are sharing over the internet, and the ways which companies want to use our information, the importance of keeping our private information secure has increased. This thesis aims to discover what attitudes internet users have against privacy on the internet, and what ? if anything ? they are doing to protect their personal privacy.We distributed an online survey to internet users in the Stockholm area, and conducted three interviews with persons in our target population. The results of these studies show that people in general are very aware of privacy concerns on the internet, but that their attitudes toward how important personal privacy on the internet is, differ somewhat..

During the 20th century Sweden faced an increased proportion of workers registered as part-time unemployed, especially in the care sector. However, due to many valuable efforts, aimed at solving the problem of part time unemployment and political decisions, the number of people who are part-time unemployed has declined since the late 20th century. We have investigated part-time workers preferential right to extending their working hours. According to Section 25 a of the Employment Protection Act, part-time employees who have submitted an interest in increasing their working hours has a preferential right to increased working hours, with the assumptions that full-time employment with the employer will meet a labor need that the employee has sufficient qualifications for.Qualitative interviews have given us information about how Karlstad Community and a private care company deal with part-time unemployment and their workers preferential right to extending their working hours. We have found that people who work for Karlstad Community have an opportunity to choose their number of workings hours, thanks to a political decision made in Karlstad Community, aimed at solving the part time unemployment in the care sector.