Studiens syfte är att utveckla storbankernas Retail Banking verksamheter genom att studera detaljhandeln, de nya bankaktörerna och storbankerna. Det empiriska materialet baseras på åtta semistrukturerade intervjuer med chefer inom bank- och detaljhandelsbranschen Studien konstaterar att storbankerna måste utveckla sina Retail Banking verksamheter för att bemöta konkurrensen från andra bankaktörer. Genom förbättrade CRM-system, bättre nyttjande av distributionskanaler och mer försäljningsinriktade organisationer är storbankerna redo för framtidens Retail Banking..

Banking systems in India is quite popular and it needs some more changes to reach all the customers. Lack of the service is main problem in Indian baking system. If the common person wants to open the account, it take?s little bit high cost and banks are not near the people location. Due to the Lack of service, people do not want to be a customer of the bank.

Relationship Marketing - will banks be able to handle higher consumer mobility in the private market?The purpose of this paper is to gain an understanding of the factors that affect customer loyalty to the bank. Consumer mobility will probably increase as a result of political changes and pressures on the private banking market to become more competitive. This study was carried out using semi-structured interviews and were transcribed and analyzed with the help of models and theories centered on relationship marketing. The theories describe loyalty, the customer lifecycle and relationships between customers and organizations.

Title:                                  CRM ? A case study of Nordea Private BankingAutors:                               David Johansson & Mikael Westin        Advisor:                             Ulf AagerupLevel:                                 Bachelor thesis in International marketing, (15 ECTS), Spring 2013.Keywords:                         CRM, Relationship marketing, Private BankingQuestion:                           How does Nordea Private Banking work with CRM to get high customer loyalty?Purpose:                            Study and to learn how Nordea Private Banking is working to bring in new customers and keep existing customers loyal. We also want to see if Nordea uses additional strategies that goes beyond the theory and what their customer relationship strategy is.Method:                             The study has a qualitative research method with an inductive approach. Interviews with leading and skilled profiles at Nordea Private Banking has been interviewed to provide answers to our research question.Theoretical framework: The chapter starts with theory about what relationship marketing is and what is driving customer loyalty. Thereafter theory that define CRM and its pros and cons are addressed, and finally the chapter describe the implementation phase.Empirical framework:     In the empirical framework we present the qualitative interviews that were done with employees at Nordea Private Banking.Conclusion:                       The result from this study shows that Nordea Private Banking uses strategies that are common in theory of CRM to gain high customer loyalty and the use of recommendations from satisfied customers is of a much higher significance in Nordea Private Banking?s case than of what the theory is implying.

Background: The Swedish life-insurance business has been extensively criticised lately due to broken promises to customers as well as due to scandals that some companies within the business have been involved in. The companies within the Swedish life-insurance business find themselves in a so- called crisis of confidence, something that is created in and by media. A company that finds itself in a crisis of confidence somehow have to manage the situation and crises of confidence can also result in different kinds of changes. Purpose: The aim of this thesis is to explore and analyse how individual life- insurance companies manage crises of confidence. As a consequence, the aim is also to investigate in what way crises of confidence are initiators to change.

Background: The Swedish life-insurance business has been extensively criticised lately due to broken promises to customers as well as due to scandals that some companies within the business have been involved in. The companies within the Swedish life-insurance business find themselves in a so- called crisis of confidence, something that is created in and by media. A company that finds itself in a crisis of confidence somehow have to manage the situation and crises of confidence can also result in different kinds of changes. Purpose: The aim of this thesis is to explore and analyse how individual life- insurance companies manage crises of confidence. As a consequence, the aim is also to investigate in what way crises of confidence are initiators to change.

Educators have an importance for the pupil?s progress, where the individual adjustment tutoring is varying. The pupil?s self-confidence is also individual and can be affected by the humans in the society. To find every pupil?s knowledge and enjoy creating and learning is a big part of an educator?s work.

This study is about how students view the effects teachers have on their self-esteem and self-confidence. The theoretical background covers the consequences of success and failures, and the interaction between students and teachers, in regards of self-esteem and self-confidence. The purpose of the study was to examine what had in-fluenced the students? self-esteem and self-confidence in the interaction with teachers. To reach the goal of the study, several qualitative interviews were made with the following questions as base:? Which factors does the student consider to be of importance for their self-esteem and self-confidence in the interaction with teachers?? How does the student feel that these factors were affected concerning their self-esteem and self-confidence?During the analysis and systematization of the transcribed interviews, five factors emerged that effects self-esteem and self-confidence.

This study is about how students view the effects teachers have on their self-esteem and self-confidence. The theoretical background covers the consequences of success and failures, and the interaction between students and teachers, in regards of self-esteem and self-confidence. The purpose of the study was to examine what had in-fluenced the students? self-esteem and self-confidence in the interaction with teachers. To reach the goal of the study, several qualitative interviews were made with the following questions as base:? Which factors does the student consider to be of importance for their self-esteem and self-confidence in the interaction with teachers?? How does the student feel that these factors were affected concerning their self-esteem and self-confidence?During the analysis and systematization of the transcribed interviews, five factors emerged that effects self-esteem and self-confidence.

To business owners and consumers electronic commerce means new conditions and possibilities. Often and specially at the Internet information between consumers and sellers is asymmetrically distributed. Among the consumers there is a shortage of confidence in electronic commerce. In order of a positive development of electronic commerce it´s important to find a solution to the shortage of confidence. Confidence may be created by legislation or by self- regulation.

Making accurate predictions of private consumption expenditures is a difficult task. This thesis examines if consumer confidence can be used to forecast consumption. Using regression analysis, the link between consumer confidence and private consumption expenditures is analyzed for Sweden between the years 1994 and 2005. Two different models are estimated. In the first model consumption is regressed only on consumer confidence, while model two is extended to contain more variables.

AbstractThe aim of this essay is to explore how teachers and leisure educators can strengthen and increase students? self-confidence in different ways in their line of work. I chose this inquest for personal reasons and also because it will be of great aid for me since this is what I intend my future profession to be. For this inquest I have chosen to do five qualitative interviews and two unstructured observations. The inquest was also based on relevant literature connected to its purpose.The results show that self-confidence is linked to something the individuals accomplish and that self-esteem is the way they see themselves, an inner feeling.

The banking industry is a fundamental part of the economy in Sweden. Despite its importance, the competition and the concentration level within the Swedish banking sector is relatively unexplored. This paper aims to examine the development of the concentration level in the Swedish banking sector during a period of ten years, 2003 to 2013. The examined banks in the study are the four largest banks in Sweden; Handelsbanken, Nordea, SEB and Swedbank, and four selected niche banks, ICA banken, Ikano Bank, Länförsäkringar Bank and Skandiabanken. In order to examine the development in percentage change, there are six selected variables; loans, deposits and borrowings (both public and households), net interest income and return on equity, which are observed during a period of ten years.

Students today, in the banking system, are the least loyal group. Students are also the most costly group due to the large investments, made by the banks, for them. Banks have generalized all students in one category and have adapted their offering regardless of students? social statues. As the students banking needs are dependent on their position in their lifecycle, generalizing them in one group is not optimal.The aim of this thesis is to investigate those factors which influence students? choice of bank.

The purpose of this study was to exam the possible differences in the experienced self-confidence and motivation among the elite players in bandy and amateur players in bandy. In addition, any differences between boys and girls within the same area to be studied. A total of 112 athletes participated of whom 52 of them classified as elite players and 60 amateur players, with 62 boys and 50 girls. The athletes filled at one point in the questionnaires The Sport Motivation Scale, Harter?s (1980) ?competence scale? and The Sport Confidence Inventory.