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.

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..

The supermarkets are taking more and more market shares for potted plants the last years, and a greater part is bought without prior planning. Signals from several European countries, for example Denmark and UK, indicate that potted plants with added value have become more and more popular and the added value is based on present trends. The meaning of added value in this thesis is fancy pots, packaging, pins or arrangements. Potted plants with added value sold in supermarkets offer the consumer the advantage of getting a ?ready product? quick and easy.

Forskningsfra?ga? Hur kan mobiltelefonen integreras i detaljhandelsfo?retags marknadsfo?ring?SyfteSyftet med va?r uppsats a?r att urskilja och analysera likheter och olikheter mellan fo?retag och konsumenter ga?llande marknadsfo?ring med sto?d av mobiltelefonen. Detta go?r vi genom att klarla?gga:Konsumenters upplevda va?rde via mobiltelefonenFo?retags anva?ndning av mobiltelefonen som marknadsfo?ringsresurs  MetodUppsatsen har baserats pa? en kvalitativ studie som kommit att anta en deduktiv ansats med inslag av induktion. Vi har gjort den empiriska insamlingen genom semistrukturerade intervjuer da?r vi valt att intervjua tre va?lka?nda fo?retag inom detaljhandelsbranschen samt fokusgrupper.SlutsatsVa?r analys visar att mobiltelefonen kan integreras i detaljhandelsfo?retags marknadsfo?ring pa? olika sa?tt.

It is important, for companies operating on a homogeneous product market, to understand and adapt to customer needs. Since coffee is a homogeneous product in food retail it is vital for coffee companies to work extensively with differentiation and the fierce competition. The prevailing homogenity makes it difficult for companies to develop the product itself and must therefore work to create added value to the product.The purpose of this thesis is to carry out a study on consumer decision-making when purchasing homogeneous products, and to examine how companies work to strengthen their brand and gain market share in a homogeneous product market. The market that this thesis highlights is the coffee market.To answer the purpose of this thesis the writers have conducted a questionnaire survey regarding consumers? decision-making process and interviewed two marketing managers for two major actors on the coffee market.

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.

Recently, retailers within the Swedish grocery retail sector have launched lines of products under its own brand, quite often produced by manufactures within the same category of products. The common term of this phenomenon is called private labels. Therefore, private labels could be seen as competitors against branded goods, despite the fact that it is, in several cases, the same manufacturer who produces each of the products.The main purpose of this study is to provide understanding of how the manufacturers choose to position themselves, formulate their strategies and compete on the market among private labels, also to examine the motive behind the manufacturer's choice to produce private labels. The study intends to provide a broader view of how the interaction between manufacturers, retailers, private labels and branded goods appears on the Swedish market. We decided to use a qualitative research method and personal interviews to approach the study.

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.

The furniture retail industry in Sweden has gone trough large changes during the last decades. Today the industry is tough and in the maturity stage where few new companies enter, especially if they do not have a unique offer. The furniture companies have become larger and fewer, the changes have lead to difficulties for smaller and medium sized companies to grow and be profitable.Our purpose is to analyse, evaluate and compare three smaller companies in Stockholm with the intention to find what kind of marketing strategies they are using to survive on the Swedish market. First we interviewed the three companies to see what they do to survive on the market, then we asked 100 persons to fill in a questionnaire to see if they had the same opinion as the companies described.With help from theories we prepared questions which laid the foundation to the empirical part of the essay.The result from this study shows that the three companies differ from each other when it comes to using relationship marketing and placing the customer in the centre. All of them are aware of the importance of doing so, but because of different limits and possibilities they can not fully adjust everything to the customer.

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.

Konsumenterna i studien visar på en mångfald av beteenden när det kommer till hur de påverkas av butikskonceptet. Upplevelserna i butikerna är många och varierar mellan konsumenterna. Olika typer av konsumtion skildras, bland annat genomförs nöjesshopping och målorienterad shopping av konsumenterna i studien. Syftet med uppsatsen är att skapa en förståelse och ge insikt i hur konsumenters beteende kan påverkas av butikskoncept. Butikskoncept är ett bredare perspektiv av butiksmiljön som dessutom innefattar sociala faktorer.

Idag skapas och lagras enorma mängder data, samtidigt som endast en liten del av datan analyseras och används. Big data är ett begrepp som cirkulerat i flera år, men på senare år har det fått allt större innebörd. Allt fler företag börjar få upp ögonen för big data, samtidigt som få verkligen vet hur det ska användas. Vissa frågar sig till och med: finns det någon affärsnytta? Med fokus på detaljhandelsbranschen undersöker vi huruvida det finns en affärsnytta med big data, och framförallt vilka utmaningar och möjligheter som finns kopplade till det.