En sammanfattning av uppsatsen på maximalt 8000 tecken..

Banker är mer sårbara än vanliga företag då banker är nära sammankopplade med varandra. Att skapa finansiell stabilitet finns i statens, bankernas och allmänhetens intresse. Det finansiella systemet är komplext vilket innebär att många aktörer interagerar med varandra på många olika sätt. Problem i en bank kan lätt spridas till andra banker och en förtroendekris kan leda till att finansiärer tar tillbaka sina insättningar. Att finansieringen hos en bank stryps är ett av de största hoten mot ett fungerande betalningsväsende.Baselreglerna är ett internationellt regelverk för tillsyn av banker med det främsta syftet att uppnå finansiell stablitet.

There are over 100 banks in Sweden. Yet, most people tend to choose one of the top four banks and stay with them. Times are changing, however, and the growth of online-based self service solutions has increased the importance of attracting and retaining customers at an early age. SEB and Swedbank have addressed this issue by introducing bank bundles. Since most banks offer similar services, the packaging and framing of the bundles have become increasingly important.

I have investigated the interaction between man and environment, between my inner reality and a physical place, using a camera as my primary tool. What conceptions do I have and how do they affect how I relate to the outer world? I am not a passive receiver of the surrounding world. Instead I actively (but usually unconsciously) choose what to take in and how I experience it. If we as landscape architects do not reflect upon our conceptions, they will unconsciously affect our decisions. Only when we accept our experiences as subjective, can honest communication take place. By means of literature studies I have connected my own conceptions with different definitions of place: place as enclosure (location, space), place as inner meaning (genius loci) and place as action (the place-creating process).

For organizations that handle sensitive information, IT governance and information security are necessities in order to maintain credibility and to conduct its business efficiently. There are several known processes to increase security governance ? which is a fusion of information security and IT governance.This master thesis examines if organizations use recognized processes and if it in that case would lead to higher security. The study is qualitative and conducted in the financial sector and based on Best Practice frameworks of the security governance in Swedish banks. Data collection was done through interviews and surveys that were triangulated to get a gathered picture of the quality of the security governance activities.

This study takes its starting point in ongoing changes and differences in the global power dynamics. The liberal rules-based world order that has been acknowledged for governing the world with the US as the hegemon of power has been strongly challenged during the last decades. Russia?s invasion of Ukraine can be seen as an example of ongoing changes in the world order, with Russia as a challenger to the US as the hegemon of power. The changes and instability that this has led to for Sweden's national security situation can be seen as a concrete example of how ongoing changes in the world order affect Sweden?s foreign policy.

In this work, you get drawn into a different and distant world than the one we are usedto. You get to know what shamanism is, in a basic and understandable way, easy to lookupon for a newcomer to this gigantic subject. The world of raging spirits and meddlingshamans with the belief of three worlds where spirits roam will be compared toreligions that we might know better, with big focus on the Aesir Faith. Oden and otherwell-known characters from this belief are in a historical way looked upon and relatedto beliefs, storys and findings.The archaic belief of the humans are intriguing and exciting, and I hope you find outthat yourself, when you dig in to this essay.

Efter avregleringen av den svenska kreditmarknaden och bankkrisen ökade antalet banker i Sverige avsevärt med en ökad konkurrens som följd. Den hårdare konkurrensen resulterade i minskade marginaler på traditionella bankprodukter som lönekonto och lån. Flertalet banker har som ett resultat av de minskade marginalerna flyttat fokus från de traditionella produkterna till försäljning av nya och mer lönsamma produkter samt tjänster. Detta nya försäljningsfokus har mött stort motstånd i facktidningen Finansvärlden på grund av den stressfaktor som det medfört. Syftet med denna uppsats är att fastställa banktjänstemäns attityder till personlig försäljning, samt se samband mellan attityderna och bakgrundsfaktorerna kön, ålder, antal studieår utöver gymnasial utbildning, antal år i nuvarande bank och antal år i bankbranschen.

Tjänstesektorn är den dominerande sektorn på arbetsmarknaden i Sverige. På Ikano Bank som är vårt fallstudieföretag råder problem vid tillvaratagandet av kundsynpunkter. Detta är problematiskt eftersom kunder är bland det viktigaste för ett tjänsteföretag. Därmed lyder vår problemformulering;Hur kan ett tjänsteföretag agera vid insamlande av kundsynpunkter?Syftet med denna uppsats är att beskriva hur en process kan gå till vid insamlandet av kundsynpunkter samt vid tillvaratagandet av dessa.I denna studie har vi presenterat materialet i fyra olika kategorier för att det ska bli tydligt och lätt att följa.

Sustainability is today a current topic and companies are more or less forced to work with it even though it contradicts the historical role of companies, which is to generate a profit for shareholders. In recent years there has been a rising interest from banks to work with sustainability but research has shown a growing dissatisfaction among customers even though banks are spending a lot of money and time working with sustainability. This shows that there is an asymmetry between how the banks act and what their customers demand. The purpose of this paper is to create an understanding of how business customers perceive banks´ CSR-reports by investigating customers? interest in these reports.

Europaparlamentet och rådets direktiv 2006/43/EG syftar bland annat till en långtgående, men inte fullständig, harmonisering av de minimiregler som styr den lagstadgade revisionen inom EU. Det fjärde bolagsrättsliga direktivet 78/660/EG artikel 51 framhåller att medlemsstaterna har rätt att befria små och medelstora bolag från revision. Delbetänkande SOU 2008:32 angående revisionspliktens avskaffande offentliggjordas den 3 mars 2008. Sammanfattningsvis innehåller delbetänkandet SOU 2008:32 en rad förändringar och genom dessa förändringar kommer problematiken med bankers syn på den reviderade årsredovisningen att ställas på sin spets. Detta då utredningen föreslår att knappt fyra procent av Sveriges 280 000 aktiebolag skall fortsättningsvis omfattas av den lagstadgade revisionsplikten.

This is an interview- and literature study that discusses teaching about the Second World War and the Holocaust, while working with the basic values in grade 7-9.The purpose with this examination is to see how teachers of history in grade 7-9 choose to teach about the Second World War and the Holocaust, how they work to integrate the basic values in their education and whether the teachers? education can be sustained by the Swedish school curricula.In this study I?ve been doing qualitative interviews with five teachers of history in grade 7-9 from different schools. I have also perused the Swedish school curricula and read some literature and studies about different ways of dealing with the subject: the Holocaust.According to the central parts of the Swedish curricula, LGR 2011, the fields about the Holocaust and the 20.century World Wars are to be studied during grade 7-9. All my respondents in the study teach about this think that the most important thing with this complex time in history, is to give the students a deeper understanding for the time leading up to the beginning of the  Second World War in 1939, and why the Holocaust actually took place.Regarding the work with the basic values, all the five respondents agree on the fact that, this subject shall permeate the entire work at school, all the time, every day, but that it?s absolutely essential while studying the Holocaust.

Begreppet mångfald diskuteras allt oftare i samhällsdebatten och valet av uppsatsämne kändes därför naturligt. Syftet med vår undersökning var att beskriva etnisk mångfald och integration på två arbetsplatser inom bankvärlden.Undersökningen genomfördes på två banker som aktivt valt att anställa invandrare. Vi använde oss av en kvalitativ metod och halvstrukturerade intervjuer och genomförde totalt tio stycken. Resultaten visade att bankerna befinner sig i ett startskede där det än så länge främst är i rekryteringsprocessen samt inom ramen för kundanpassning som tankar om tillvaratagande av etnisk mångfald återfinns. Det finns även en skillnad vad gäller hur de anställda med utländsk bakgrund integrerats i bankerna.

The purpose of this paper is to interpret two stories of creation and compare them to each other with focus on the gender perspective. The interpretation is generally limited to the creation of mankind and how women are represented in each particular story.  The stories I?m interpreting is the story of creation from the Holy Bible, the so called genesis, and from The Nag Hammadi Library?s story of creation called On the origin of the world. I want to show the difference between these two stories when it comes to the women?s position and in what level she is described.

AbstractThe banking industry has during later years gone through several technological changes (Svenska Bankföreningen 2014). These big changes have led to several advantages seen both from a customer ? and corporate point of view. Advantages in easier usage, increased availability and more competition have made the banks more cost effective at the same time as the customer is being offered better prices. Even though the advantages seem to weigh over the disadvantages there are still those who thinks that things where ?better in the past?.