Title:Change strategies in the transition towards a cashless banking systemLevel:Final assignment for Bachelor Degree in Business AdministrationAuthor:Elin Lånström och Vildana SmailagicSupervisor:Stig SörlingDate:August 2013Aim:In our study, we compare what it is that drives a bank to implement changes in their business, what problems these changes may bring, and how organizations deal with these. We do this by studying how different banks choose to relate to the handling of cash.The questions we ask ourselves are:? What lies behind the decision to make changes in cash management?? How is the change implemented in practice?? What do banks think this change will mean for the future?Method:The study was conducted with the help of a qualitative scientific method. We conducted interviews with representatives of four banks, and made use of secondary data in the form of scientific literature and scientific articles.Result & Conclusions:Organizations implement changes in order to adapt and achieve balance with their environment but also within the organization itself. Our study shows that the decision to introduce cashless branches is mainly a result of banks' efforts to become more cost efficient.

Syftet med detta examensarbete är att analysera nyckeltalen för produktionskostnaden som nyttjas vid investeringsbeslut i flerbostadsprojekt. För att kartlägga osäkerheterna innan investering sker tas kostnadskalkyler fram. Dessa kalkyler innehåller ofta flertalet osäkra poster då projekten är till stor del fortfarande på idéstadium och uppskattningar blir ett måste. Rapporten inleds med att riskerna, utifrån risknivå och konsekvenserna utav dem, definieras och analyseras. Följande presenteras Veidekkes önskade hantering av kostnadsriskerna och slutligen vilka möjligheter och hinder det finns inom dagens organisation för att uppnå dessa arbetsmetoder. Studien har baserats på kvalitativa intervjuer med representanter från olika yrkesroller, i olika projektskeden och från de tre olika svenska regionerna. Dessa intervjuer har visat på att de största osäkerheterna ligger i entreprenadkostnaderna, markkostnaderna och konjunkturens påverkan på bostadsmarknaden.

This survey was made to investigate the possibility of using an alternative method of fencing inSwedish forestry. The most common way of fencing in Sweden today is made by a two meter highmetal net that is attached to turned impregnated poles. The fencing methods that have beeninvestigated is a fencing system made completely out of wood so called ?German wood fence?.Browsing of game in forest regeneration areas is often a big problem and some kind of protection ofthe plants is often necessary. There is several ways of building fences and the most common way isto use metal nets and impregnated poles, this leads to a problem when the fence has profiled itspurpose.

The lack of fresh and clean water today causes severe problems, mostly in developing countries. Waterborne diseases like typhoid, cholera, amoebic dysentery and diarrhea create health problems and deaths among people. There is a need for low cost interventions like household-based water treatment and safe storage (HWTS). Solvatten AB is a Swedish company based in Stockholm. Their product, Solvatten, is a household water treatment unit that can treat water containing viruses, parasites and bacteria.

The purpose of this project has been to cut production costs for the fascia panels ofGetinge?s largest autoclaves. The cost for the stainless steel plates currently used is veryhigh. An alternative material solution could cut costs significantly.In addition, improvements have been made to the instrument tower which is a central partof the fascia panel. As a result of the new modular design in a new material theinstrument tower has been improved in several aspects..

The objective of this paper is to estimate monetary and non-monetary costs for the huntercaused by deer-vehicle collisions in Sweden. These costs include losses in hunting value as wellas time and money efforts related to the handling of wildlife casualties. The calculations arebased on available statistics from 2004 on deer-vehicle collisions involving moose, deer, roedeerand wild boar and on telephone interviews with hunters involved in the tracking of injuredanimals. Altogether, the annual loss in hunting value for moose was assessed to approximately30 million SEK based on the 2004 accident statistics. For roe-deer and fallow deer, thecorresponding figure was approximately 56 million SEK and 1.2 million SEK, while wild boaraccounted for 1.3 million SEK, respectively.

Climate change has become an increasingly topical subject. Recently debate on how our food affects the environment has flared. It has been shown that how the food we eat is grown and transported could be one the bigger contributors to the emission of carbon dioxide into the atmosphere. The aim of this study is to see how consumer?s choices of vegetables affect release of carbon dioxide. The results show that emissions of carbon dioxide can be lowered by consuming vegetables that have been grown on open land. Vegetables that have to be grown in heated greenhouses in Sweden should perhaps be exchanged for such that have been grown in unheated greenhouses in southern Europe, even though the transport distance is significant. .

Resultatet av arbetet visar att jordbruket släpper ut växtnäringsämnen som kväve och fosfor som bidrar till övergödningen i Östersjön, användningen av bekämpningsmedel inom jordbruket bidrar till böla att faunan kan försvinna eller dö i Östersjöområdet. Transporter har stora utsläpp av dioxiner och kväveoxider. Dioxinerna anrikas i Östersjönsmiljö vilket påverkar de djur som är högst upp i näringskedjan negativt och kväveoxiderna bidrar till övergödningen i Östersjön. Polen står för den största jordbrukspåverkningen på Östersjön, detta då de har de största utsläppen av både kväve och fosfor. Polen använder även mest bekämpningsmedel inom jordbruket vilket direkt leder till höga utsläpp.

The agricultural sector accounts for about 13 percent of the total load of greenhouse gas emissions from Sweden (Swedish Environmental Protection Agency, 2007). The Swedish objective to reduce the greenhouse gas emissions with 40 percentage units to the year of 2020, based upon the year of 1990, might imply stricter regulations for Swedish farmers. A regulation or other forms of economic incentives is probably necessary to reduce the emissions originating from the agricultural sector. This study aims to investigate the economic and managerial impact on two agricultural firms with differing production system given that a constraint on green house gas emissions is introduced. Gases included in this study are carbon dioxide, methane and nitrous oxide.

Title: Competition for small audit firms ? a qualitative study on possible competitive strategies and how the upcoming changes will influence competition on the audit market    Subject: Auditing Tutor: Margareta Paulsson  Authors: Per Dahlström and Martin Holmberg Purpose: The purpose of this study is to develop an understanding how smaller auditing firms use competitive strategies and why. The result aims to work as a support for owners and leaders of audit firms as they make decisions of how to compete in the future. We would also like to explore how smaller audit firms view the change of the mandatory audit, that is, our intentions are also to examine how they think the consequences on the market will be and their view on its affect on the competition of the market.    Methodology: Our methodological approach was characterized by a hermeneutic approach in order to explain and understand why the smaller audit firms do what they do. Our approach is a combination of inductive and deductive as it allows us to develop an understanding of the subject, then gather our empirical data and from that draw valid conclusions.

NCC Roads producerar och tillhandahåller krossprodukter, asfalt samt asfaltbeläggning. En av företagets strategiska inriktningar år 2006 och framåt är fokus på kostnadseffektivitet. Under den senaste tiden har arbetet koncentrerats mot området logistik, framförallt inköp samt transport. Transporter beställs och styrs idag decentraliserat utan att större hänsyn tas mellan asfaltverk, asfaltbeläggning och krossverk. Det leder till onödigt långa transporter, väntetider och lågt utnyttjande av transportkapaciteten.

Abstract The accident in 1986 at the nuclear power station in Chernobyl, Ukraine, dispersed radioactive cesium over large areas of Europe. The half life of 137Cs is 30 years and this radionuclide also behaves like potassium, which means that it can easily be taken up by the vegetation or be adsorbed in to the structure of clays, principally illitic clays. When radiocesium decays ionizing radiation is emitted, which is harmful to humans that are exposed, either directly or indirectly through food intake. It is there-fore important to know what happens to the cesium that is dispersed into the environ-ment. In this project a simulation model was constructed to simulate the adsorption and transport of radiocesium in the soil and plant uptake.

Generellt gäller att den undersökta branschen har blivit ganska så hårt påverkad av finanskrisen och lågkonjunkturen. De flesta åkerier har tvingats säga upp personal och även sänkningar av antal arbetstimmar förekommer. Omplaceringar är inte så vanliga inom populationen och det lutar åt att de mindre åkerier klarat sig lindrigare undan än vad de större har gjort. De åkerier som har varit i branschen en längre tid verkar också vara mindre känsliga för marknadsförändringar. Framtidsbilden ur åkarnas ögon ser mestadels stabil eller positiv ut medan investeringsviljan i branschen har avtagit då majoriteten nu är mer försiktiga än vad de varit tidigare..

This paper focuses on traditional clothing enterprise IT strategies. The purpose was to investigate the correlation between traditional clothing companies IT strategies and their brand. In a market where the competition is high it has become more important that the company targets a customer segment. To reach their targeted customers the company builds their brand with different corporate strategies. This segmentation is necessary because of the high exposure to competition, and a well-established brand could be a prerequisite for profitability.  In today?s market, IT has a major impact on the clothing business.

The use of Web applications is a growing area. While the possibilities and functionalities are increasing, so is the complexity of them, together with the threats against them because the complexity also opens up the application to vulnerabilities. It is therefore important for developers to know how a web application can be developed with security in mind.This study?s intention has been to create an introductory documentation of what kind of techniques that exists which can produce higher security, which methods there can be within the development process and what to think about when programming secure web applications. In this paper we have investigated how theoretical manuals in the IT security department handles that area, and interviewed two developers from two different companies to see how they use security in their web applications.The study has an exploratory technical perspective and does not explain how to practically use and interconnecting different security-enhancing technologies, but is more suppose to give a first glance at what is available and sow a seed for those interested to continue reading further about the subject.