Aim: Banks? settlement of handling cash and the technological developments of our payment services, leaves us guessing at the outlooks of consumers? payment systems. One of the new payment options arising from this development is mobile payment. With access to internet, mobile payment can take over the role as the primary method of payment, as it can be used on any occasion. Questions are raised about which factors that are affecting the future users? attitude to use mobile payment, and if the service can be a threat to the traditional card payments.Method: This study is based on a quantitative method by the means of a survey design.

Background: 2009 it has occurred a crisis in some of the member states of the European Union: Spain, Portugal, Italy, Ireland and Greece. Despite, some major banks in the world had begun to recover from the financial crisis that occurred from 2007 until 2009, there were still banks who found it difficult to survive. Greece is one of the countries that suffered from the financial crisis. The high budget deficit and the unsustainable debt are underlying the crisis.Banks as financial intermediaries have important function in a nation?s economy.

Background: The most energy efficient houses today are so called passive houses. These houses achieve high energy-efficiency partly by having well insulated walls. U-value describes the amount of heat transfered through a building element, the more insulation, the smaller U-value. A typical passive house wall have a U-value of 0.10 W/m2,°C. The passive houses are primarily made as small family houses and not as a block of apartments.

In this final thesis a study about welfare indicators in the Swedish milk production has been carried out. The system Swedish Animal Welfare Monitoring Scheme developed by the Swedish Dairy Association has been used as a base and the EU project WELFARE QUALITY® has also been used as a source of information. Focus groups have been used as a qualitative investigating method. This included four focus groups, two with farm auditors from the two different dairies and two with dairy farmers. This method was chosen because in this way one can study how a conversation about a given subject takes form in a respectable way.

Within today?s organizations there is continual development work to increase efficiency and the power to compete at the market. Production development with focus on continual improvements constitutes an important part of the daily work within a lot of organizations today.The purpose of this study is to contribute to a part of the development process that Volvo Penta factory in Vara has in mind. A description of the current situation was compiled by mapping the internal runnings and material flow throughout the factory. A new suggestion for a layout and a comparison with the current situation will assist with creating a factual basis for the development of a new goods reception.A study was made where the volumes and the quantity of the daily arrival goods were settled.

A study has been performed that investigates the variation of iron content in groundwater.The study was initiated by Midvatten AB, which noticed that the iron content in groundwater samples can vary greatly over small distances. The purpose of this study was to geochemically and geohydrologically determine the factors that influence the content of iron and manganese in groundwater from a selection of eskers in Dalarna, and determine how to best sample groundwater with the method used by Midvatten AB. An evaluation was made of how the vertical variation in soil material, water composition, pumping time and pipe material affects the content of iron in groundwater. Piper diagrams were used to study the relationship between the chemical composition of the groundwater and the content of iron and manganese in groundwater samples from the studied areas. The groundwater from the studied areas was then classified in the Piper diagrams, according to the content of the major ions.

Södra is a co-operative of private forest owner organisation which is owned by 35 000 private forest owers in southern Sweden. Forest owners in Sweden can choose to certify their Forestry. Södra uses PEFC (Programme for the Endorsement of Forest Certification Schemes) as their certification scheme for their members. Those who choose to certify their forest are obligated to follow the demands for forestry which PEFC requires. A ?Green? forestry plan is another important tool in the ambition to reach a sustainable forestry.

This master project in landscape architecture is named Interactivation Design - places for social imagination and conversation in Lindängelund. There are two main purposes of this thesis the first being to bring forth a study of interactivity implemented in the subject of landscape architecture. The second purpose of this thesis is to present a proposal to design a confluent landscape weaving together the upcoming botanical garden of Lindängelund and the residential area of Almvik, both situated in southern Malmö, Sweden, and also weaves people and their experiences together. This project may be described as investigative and experimentative reaserch by design.The first part of this project, Interactivation, is consisting of a theoretical report which discusses different ways of approaching when, how and why we interact in public space. Literature studies in for example space, placemaking, social life, people, participation and Japanese emptiness concepts has been undertaken to gain knowledge in the aim to create interactive landscape design.The second part, Context and Design Proposal, introduces the project context area of Southern Fosie in Malmö which consists of different kinds of residential areas, people of different nationalities and a large building site for a botanical garden and recreational area.

NCC has given us a commission to investigate a planned housing area in Haga, Karlstad, situated close to the traffic route Hagaleden and the railway. The housing area consists of one hundred apartments in five different houses. The houses are linked to each other by balconies with glass panels. A long carport is situated between Hagaleden and the housing area to absorb part of the noise from the road. The design of the housing area is creating a silent backyard.

Authors: Stina Johansson, Anna Lennartsson, Caroline WennerstenTutors: Peter Caesar Title: Communication without boundaries? ? a study about the problems of Gothenburg culture festival communications to multicultural areas.Keywords: communication, multucultural areas, communicationmodel, attitudes, diversity marketing, culture, Gothenburg Culture Festival  Background: There can be many problems with communication in multicultural areas. It has become more important for companies to communicate in order to gain competitive advantage. Gothenburg Culturefestival has a large number of visitors and since last year they have noticed that there are not as many visitors from some multicultual areas in Gothenburg. This makes it interesting to see what kind of problems that exists in the current communication. Problem statement: What noise is there in communicating to a multicultural target group and how does they affect the goals and the result with the communication?Purpose: The purpose of this paper is based on the communicationmodel and from there describe the communication between companies and multicultural areas, and from this identify problems with such communication.Method: 118 respondents were selected through a convenience sample and then  asked questions through structured interviews based on a questionnaire.

SAMMANFATTNING Syftet med denna studie var att ta reda på vad sjuksköterskan upplever som sitt inre etiska ansvar samt lyfta fram och reflektera över den etiska dimensionen i omvårdnaden. Studien är empirisk och grundar sig på en kvalitativ metod med innehållsanalys. Data har samlats in från fyra intervjuade verksamma allmänsjuksköterskor. Forskningen anknyter till Katie Erikssons omvårdnadsteori samt till Iréne von Post. Etiken hos de intervjuade sjuksköterskorna förknippades till stor del utifrån ett medicinskt perspektiv.

This is a work that look at the factors that affect future monthly costs when buying a house in Sweden and which options are the most financially favorable over a 30 year period. The work also examines whether it is economically beneficial to invest in a low-energy house regardless of geographic location in Sweden, and discuss about whether a calculation template can help individuals to choose more environmentally friendly options. The work has been limited so that a certain number of predetermined factors and its measurable values have been developed with the help of a literature study. The factors chosen are building type, climate, heating systems, loan interest rates, energy prices, energy price increases, inflation rates and down payment. These are then combined into 72 different calculation cases which get put in a calculation model made in excel.

The aim of this thesis was to analyse BARO WOOD AB:s timber measuring and quality sorting and to evaluate the analyse program Stockholmen. The purpose was to get a better understanding for the quality sorting made at BARO WOOD AB today, analyse differences in center board quality from logs with a good quality and logs with a bad quality, suggest new sorting criterias developed from analyses made with Stockholmen and to evaluate the program Stockholmen. All analyses are based on data gathered in a test sawing made at BARO WOOD AB in June and July 2002. The test sawing was made on four different diameter classes and every diameter class consisted out of A or M-grade logs, with a better quality, and B-grade logs with a lesser quality. The logs where sorted out with BARO WOOD AB:s existing quality criterias.

SammanfattningSyfte: Syftet med denna studie var att undersöka samband mellan några utvalda faktorer av betydelse vid förskrivning av fysisk aktivitet på recept (FaR) på hälso- och vårdcentraler i Sverige.Metod: En enkätundersökning genomfördes på 37 icke-privata hälso- och vårdcentraler i Malmö, Stockholm och Umeå. Totalt 241 enkäter besvarades av legitimerad personal med förskrivningsrätt av FaR. Studerade faktorer, uttryckta som enkätfrågor, var: förskrivarens kön, ålder, befattning, landstingstillhörighet, användning av FaR/FYSS, egen motion, FaR-utbildning, tidsbrist, riktlinjer, uppföljning, samarbete med friskvårdsaktör, FaR-ansvarig, hänvisning av FaR-patienter, kunskap i att motivera till fysisk aktivitet samt kunskap om vilka sjukdomstillstånd som kan behandlas med fysisk aktivitet. En webb-baserad enkät distri-buerades och samlades in via e-post och en pappersenkät användes på ett par hälso- och vårdcentraler. Resultatet från enkätundersökningen analyserades med chitvåtest och binär logistisk regression. Resultat: Sannolikheten att förskriva FaR var signifikant sju gånger högre hos personal som visste vart de kunde hänvisa patienter med FaR-ordination i jämförelse med dem som inte visste vart hänvisning kunde ske.

SAMMANFATTNING Syftet med denna studie var att ta reda på vad sjuksköterskan upplever som sitt inre etiska ansvar samt lyfta fram och reflektera över den etiska dimensionen i omvårdnaden. Studien är empirisk och grundar sig på en kvalitativ metod med innehållsanalys. Data har samlats in från fyra intervjuade verksamma allmänsjuksköterskor. Forskningen anknyter till Katie Erikssons omvårdnadsteori samt till Iréne von Post. Etiken hos de intervjuade sjuksköterskorna förknippades till stor del utifrån ett medicinskt perspektiv.