Uppsatsen är en kvantitativ studie om varför bankkunder inte byter bank och vad som skulle kunna öka rörligheten på bankmarknaden. Syftet med uppsatsen är att undersöka de bakomliggande faktorerna som ligger till grund för valet att byta eller inte byta bank. Med utgångspunkt i de teoretiska delarna, tjänstekvalitet, relationsband, kundlojalitet, byteshinder och bytesbeteende har en modell skapats för att studera valet att byta bank eller inte. Efter att ha genomfört en enkätstudie presenteras undersökningens reslutat i form av korstabeller och diagram. Olika faktorer som påverkar bankkunders val av bankbyte identifierades.

This essay highlights the Swedish retail companies? engagement in ethics and environment issues as a part of the business concept. The Customer is today more aware about what is going on in the world than ever before. Two of the main reasons are the Internet and the globalization. In relation to the customer being more aware about the situation in the world today, the demand for products which have been produced in consideration of ethical and environmental values has increased.

Since Muhammad Yunus, founder of the microloansorganization Grameen Bank, was awardedthe Nobel Peace Prize in 2006, the microloansorganization has received much attention. Thewoman has come to play a central role in the microloansorganizations. Her access to capital isis considered to improve her socioeconomic status. The overall aim of the paper is to examinehow access to microcredit considered leading to empowerment of women. To get an idea ofwhat a microloansorganization is the Grameen Bank is used as an example.

This project was started within the Market-Design programme of Elforsk, with the aim of developing representative test systems of Swedish distribution networks. Using such test systems as a basis for reliability and customer interruption cost calculations makes it feasible to analyse the network tariff regulation of Swedish power  istribution companies. In particular, it enables studies of the incentives for companies to invest in system reliability. Until now, the available test systems are either not representative of Swedish conditions, or too small in scale and limited in function.Within this project we have created two test systems. In order to represent the diversity of actual Swedish distribution networks, we have created one test system for urban environments and another for rural environments.

Speedledger is a company that is working to automate electronic accounting for businesses, organizations and associations.In the current situation bank data is sent from the users internet bank to Speedledger via a virtual printer driver. The driver transforms the web page into a PDF and sends it to a server for interpretation.The problem is that PDF is not created for this sort of data transfer and makes the interpretation of data is very problematic.The goal of the thesis is to study whether there is a possibility to develop a browser add-on that can retrieve information on the customer's banking page and send it on to Speedledgers server for interpretation. My task was to implement a add-on for one of the three major browsers Mozilla Firefox, Google Chrome or Microsoft Internet Explorer, and then study the possibility of implementing it to the other two by reading the documentation.What I concluded was that it is possible to implement for all the three browsers. However, the techniques will differ slightly when developing these add-ons.  .

Customer satisfaction is a key aspect for many corporations, among them Exacta Distributionscenter. To raise their customer satisfaction, we have researched ways to raise customer satisfaction through the implementation of an error-handling system and recommendations on how the organization should function in the future. This paper describes how these recommendations and the application has been developed, through help in existing theories. This results in a customer portal with the main purpose to provide help in handling orders with errors, and several routines recommended to Exacta Distributionscenter. .

The purpose of this thesis is to evaluate whether or not tattoos have an impact on perceived customer satisfaction. We constructed an experiment where a service worker's physical appearance was manipulated. Our result indicates no significant impact of tattoos on customer satisfaction. However, the thesis succeeds to replicate previous findings on the links between physical attractiveness, attitude and customer satisfaction, and creates a ground for further discussion on the subject of tattoos in a professional environment..

Despite the fact that mandatory financial auditing has been abolished for small private public companies in Sweden we still see this service being used by these firms. Earlier research, papers and published articles tend to focus on the abolishment of the mandatory audits seen from the accountant?s point of view. There has however been less emphasis on the fact that 85 percept of the companies relived from the mandatory audits still utilises this service. We think that we have found a new and until now unexplored angel on this subject, and the purpose of our study has been to explore what the Swedish bank officials and what the Swedish Tax Agency?s officials think that they have to gain from a mandatory financial audit.The scientific method used in the study is deduction due to the fact that existing theories has been used to form the hypothesis.

Customer satisfaction is a key aspect for many corporations, among them Exacta Distributionscenter. To raise their customer satisfaction, we have researched ways to raise customer satisfaction through the implementation of an error-handling system and recommendations on how the organization should function in the future. This paper describes how these recommendations and the application has been developed, through help in existing theories. This results in a customer portal with the main purpose to provide help in handling orders with errors, and several routines recommended to Exacta Distributionscenter. .

The store manager can make great benefits of having an eye on how the staff works towards the customer, because the personnel is an important tool when competing with other stores. This paper is focusing on the part that relates to the staff in the store, which is one of the key tools in the competition for customers after the customer made it to the store. Many stores have guidelines which the staff should follow when they meet with customers. If the staff is too tightly controlled by these guidelines, customers can perceive the first encounter with the staff as artificial and as if the genuine friendliness does not exist. It is important that the staff looks at the individual customer and treat every customer in a personal way and that the staff can see the customer?s needs.

The aim with this paper is to elucidate the current situation of the Swedish glulam market. This thesis paper will also consider prospects for the future and analyse the relationship between customer and producer and what makes a specific supplier attractive to their customer. The companies that are included in the paper are: Martinsons Group AB, Moelven Töreboda AB and Setra Group AB, Långshyttan. These three companies are the members of the organi¬sation Svenskt Limträ AB and produce the largest part of glulam in Sweden. Together they produce 140 000 ? 150 000 m3 a year. The study is based on interviews with all three producers and a customer survey, where I have interviewed five customer to each producer.

Bankerna strävar efter att med tjänsten bank via Internet erbjuda bättre kundservice och bekvämlighet i en säker elektronisk miljö. Bankerna ser den möjlighet som Internet utgör som en ersättning, inte bara som ett alternativ åt någon av deras traditionella tjänster. Varför används tjänsten bank via Intenet endast i en begränsad utsträckning hos privatpersoner?En intervju av bankkunder tar fram privatpersoners viktigaste orsaker till att inte använda bankernas Internettjänster. Resultatet av den undersökningen jämförs med en liknande undersökning från Australien.Viktiga orsaker till att inte använda bank via Internet: bankkunder saknar tillgång till Internet, de tycker traditionellt tillvägagångssätt är tillräckligt bra, de är osäkra på säkerheten, de känner inte till servicen och fördelarna tillräckligt eller de vill ha den personliga kontakten med bankpersonalen..

The purpose of this study is to investigate how the major swedish banks look upon and promote student profitability as well as long-term relationships within the student segment from a CRM point of view. The study incorporates a qualitative course of action with an abductive research approach which has been carried out by conducting personal and telephone interviews with representatives from three out of the four major swedish banks Nordea, Swedbank and Handelsbanken. Our research finds that the banks appear to regard their relationships with students as long-term investments, but that they simultaneously seem to lack distinctive, clear and procreative strategies for securing these relationships. Furthermore, the development of profitability within the student segment is considered an informal process that does not necessarily need to be computed through the use of quantitative estimates. Also, educational variables does not influence the banks as they segment their customer base and the student-centred offerings within the banking industry is to be deemed as being standardized rather than differentiated..

During the last few decades a new kind of business operation have developed and this hasforced organisations to adapt themselves to a new competitive environment characterized byincreased customer demands as well as a larger amount of competitors. Therefore companieshave had a shift in their strategies from focusing on sales numbers to focusing on thecustomer. To build lasting customer relationships, in order to create customer loyalty, havebecome an important part of the organisational strategy and the collection of consumer datais essential in achieving this loyalty. Customer relationship management systems assistorganisations in managing information about individual customers as well as managing allaspects of customer contact, with the purpose of increasing customer loyalty towards thecompany. The collection of consumer data also enables for companies to design personalizedoffers to individual customers in the form of direct marketing.

In the late 20th century there has been some changes in the public sector. These changes are described as New Public Management. When ideas from the private market is transferred to the public sector, for example to regard citizens as cus-tomer. Central in this paper is the use of term customer in the Swedish public sec-tor. There are two questions in the paper; which possibilities has a disappointed customer to effect the public sector, and what may happen with democracy, the common good, when the citizen becomes a customer?To answer the questions I study two different cases, Svedala kommun and the tax department, Skatteverket.