Factors influencing the choice of a bank : An international student perspective

Purpose: The purposeof this thesis is to identify what factors influence international students in their choice of a bank.Literature review: A review of previous research about bank selection criteria related to students as well as a few examples of bank choice studies in the general population is presented. The review consists of studies from different years to illustrate criteria that reoccur in order to decrease the chances of overlooking important criteria that may be of importance for today‘s customers. Method: The thesis is based upon empirical data gathering through a non-probability sampling technique by distributing questionnaires through the Internet and in person. The data was analyzedwith the help of exploratory factor analysis (EFA). Conclusion: We found thatfive factors influence the choice of bank for international students. These factors are: cost of the bank services, use of technology, convenience, banks‘ reputation and marketing communication effectiveness. These factors could be helpful for banks who want to gain customers from international students, which are a relatively unexploited customer segment.

Reklambyråanställdas åsikter om yrkesrollen med fokus på kreativitet och kundrelationer : Semi-strukturerade djupintervjuer med art directors och originalare

Studiens syfte var att undersöka byråanställda art directors och originalares olika perspektiv på och förhållningssätt till sin yrkesroll med särskilt fokus på kreativitet och kundrelationer.Nio semi-strukturerade djupintervjuer genomfördes med sex art directors och fyra originalare. Respondenterna valdes ut genom ett kombinerat strategiskt bekvämlighetsurval från nio reklambyråer.Professionalism inom yrkesrollen visade sig vara något som respondenterna inte reflekterat över men det framkom att det främst handlar om hur art directors och originalare förhåller sig till kunden. Dessutom framkom det att respondenterna såg variation i arbetet som en positiv aspekt av yrket medan de såg prestationsångest och utomståendes oförståelse av yrket som negativa.Det framkom även att art directors och originalare i första hand ser på kreativitet som problemlösning, dock såg de olika på problemlösning i sina respektive roller. De använde sig av samma metoder för att finna inspirationsamt hanterade ångest på liknande sätt.Studien visade även att kunden och kundrelationen spelade en stor roll för yrket och ämnet berördes återkommande i respondenternas svar under intervjuernas gång. De använde sig av samma metoder för att finna inspiration

The effects of attitudes and personality traits on mode choice

We hypothesise that differences in people's attitudes and personality traits lead them to attribute varying importance to environmental considerations, safety, comfort, convenience and flexibility. Differences in personality traits call be revealed not only in the individuals' choice of transport, but also in other actions of their everyday lives-such as how much they recycle, whether they take precautions or avoid dangerous pursuits. Conditioning on a set of exogenous individual characteristics, we use indicators of attitudes and personality traits to form latent variables for inclusion in an, otherwise standard, discrete mode choice model. With a sample of Swedish commuters, we find that both attitudes towards flexibility and comfort, as well as being pro-environmentally inclined, influence the individual's choice of mode. Although modal time and cost still are important, it follows that there are other ways, apart from economic incentives, to attract individuals to the, from society's perspective, desirable public modes of transport. Our results should provide useful information to policy-makers and transportation planners developing sustainable transportation systems.

The effects of Ikea and external shopping centers on regional trade and retail growth : A comparative analysis of Ikea’s establishment in Kalmar and Karlstad

This paper examines the effects of Ikea store establishment in Kalmar and Karlstad on the trade and retail inside the two cities, and as well on the trade and retail in the close neighboring municipalities and in further peripheral municipalities in both regions. After the establishment of Ikea store, Kalmar and Karlstad have experienced significant growth in trade and retail. The question, however, is how big this growth is in both cities? And how different locations on different distances from Ikea have been affected? What impact there was on different segments of the retail? How different business branches have been affected? How large the catchment area for the emerging new large-scale retail locations is? These questions, in addition to few others, are investigated in this paper. The thesis starts with an introduction chapter containing a background of the topic, problem description, the investigated questions, the purpose, and the outline of the paper. The next chapter includes the frame of reference which consists of literature review and theoretical framework about the external shopping centers and their impact on retail and regional trade development. It includes also information gathered from previous studies technical reports and other available sources about the subject. The third chapter includes description for the methods used to collect the primary and secondary data needed for the purpose of this study. Then the empirical framework which demonstrates the results of the conducted research followed by analysis and concluded in discussion and conclusion. Mixed methods are used as research strategy in this thesis, and the method to conduct the research is based on telephone interviews for the primary (qualitative) data, and documents and desk research for the secondary (quantitative) data. The gathered data is analyzed and designed in a way that allows the usage of comparative analysis technique to present the findings and draw conclusions. The results showed that new established Ikea retail store outside the city boundaries results with many effects on the city center and on the neighboring municipalities as well. The city center seems not to be affected negatively, but on the contrary positive effects were witnessed in both regions, these positive effects are linked to the increase inflow of customers from the external retail area which is known as spillover effect. III On the other hand, the neighboring towns and municipalities are more negatively affected especially with the trade of con-convenience goods as the consumers in these towns and municipalities start to go to the area of Ikea and the large external retail center to do their purchasing, the substitution effect is then said to be occurred. Moreover, the further far municipalities do not seem to be significantly affected by the establishment of Ikea. These effects whether positive or negative could be monitored by looking to few trade parameters such as the turnover, the sales index, and the consumers’ expenditure, these parameters can be very useful to measure the developments and changes in the trade and retail in a given place. 

Grotesque in Dickens

Dickens's use of the grotesque in his novels undergoes a variety of changes. For convenience sake, and to better illustrate the developments of the grotesque, I divide the novels into three separate groups. The first group, the period of experiment, included the novels from Pickwick Papers through Barnaby Rudge; the second group, the period of transition, includes the novels from Martin Chuzzlewit through David Copperfield; and the third, the period of a new vision. included the novels from Bleak House through Edwin Drood. Basically, I see the development of the grotesque involving a change in Dickens's conceptions of society, as well as responding to complex changes in society itself; Dickens's vision loses much of its humor in the end, yet it also reflects a definite maturity.

Protecting Your Search Privacy: A Lesson Plan

Each year search engines like Google, Bing and Yahoo, complete trillions of search queries online. Students are especially dependent on these search tools because of their popularity, convenience and accessibility. However, what students are unaware of, by choice or naiveté is the amount of personal information that is collected during each search session, how that data is used and who is interested in their online behavior profile. Privacy policies are frequently updated in favor of the search companies but are lengthy and often are perused briefly or ignored entirely with little thought about how personal web habits are being exploited for analytics and marketing. As an Information Literacy instructor, and a member of the Electronic Frontier Foundation, I believe in the importance of educating college students and web users in general that they have a right to privacy online. Class discussions on the topic of web privacy have yielded an interesting perspective on internet search usage. Students are unaware of how their online behavior is recorded and have consistently expressed their hesitancy to use tools that disguise or delete their IP address because of the stigma that it may imply they have something to hide or are engaging in illegal activity. Additionally, students fear they will have to surrender the convenience of uber connectivity in their applications to maintain their privacy. The purpose of this lightning presentation is to provide educators with a lesson plan highlighting and simplifying the privacy terms for the three major search engines, Google, Bing and Yahoo. This presentation focuses on what data these search engines collect about users, how that data is used and alternative search solutions, like DuckDuckGo, for increased privacy. Students will directly benefit from this lesson because informed internet users can protect their data, feel safer online and become more effective web searchers.

O valor da marca para o consumidor final a partir do conceito de brand equity no mercado de iogurtes

O tema Brand Equity tem atraído a atenção de estudiosos de marketing devido a importância estratégica que a questão marca vem adquirindo no cenário empresarial. Um exemplo que comprova a relevância do tema para a academia está na publicação de uma edição especial do Journal of Marketing Research no ano de 1994 unicamente dedicada a apresentação de artigos relacionados à Brand Equity. Existem duas abordagens básicas que norteiam os estudos nessa área: a determinação do valor patrimonial da marca e a busca pelo melhor aproveitamento ( produtividade) dos recursos do composto de marketing. Ambas, na verdade se complementam, mas, enquanto a primeira busca a correta determinação do valor contábil da marca para fins de apropriação em balanço e também com o objetivo de facilitar negociações entre empresas em questões relativas a fusões e aquisições, a segunda abordagem centra o seu foco na real efetividade do marketing que vem sendo praticado pelas empresas, considerando a marca como o elemento unificador de todas as suas ações mercadológicas. Assim, para identificar os níveis de produtividade obtidos através das ações de marketing, os estudiosos voltam-se para os consumidores, procurando compreender como estes agem e pensam a compra através das marcas. Utilizando-se desta última abordagem, procurou-se neste trabalho verificar a ocorrência de valorização da marca tendo como foco uma categoria de produto que representasse a definição de bem de conveniência. Avaliadas as possibilidades, optouse pela categoria de produtos iogurte. Partindo do pressuposto de que a valorização da marca é percebida pela ocorrência de uma reação diferenciada a uma ou algumas marcas, reação esta 5 identificada quando da exposição do comprador/ consumidor às diferentes marcas concorrentes, situação observável no momento da compra, realizou-se a presente pesquisa. Para a sua execução foram realizadas duas etapas de pesquisa: uma primeira de natureza exploratória com a realização de entrevistas junto a representantes do setor e também de dois grupos focais e uma outra etapa na qual se utilizou a técnica de análise multivariada denominada Conjoint Analysis. Os resultados demonstraram que, para este produto específico, a marca é um elemento fundamental na definição de compra, sendo o primeiro ou o segundo atributo mais valorizado pelos compradores / consumidores. Algumas possíveis explicações que referendam os resultados foram obtidas durante a primeira fase da pesquisa. Por fim, são expostos os possíveis caminhos para novas pesquisas na área de Valor de Marca.

Por que o Brasil não precisa de política industrial

This article discusses the convenience of adopting industrial policy in Brazil. We argue that the success of East Asian countries, usually explained by industrial policy, is mainly result of horizontal policies. We also show that there are not theoretical or empirical foundations in most of the arguments used to justify industrial policy and that industrial policy must be motivated by market failures. We briefly discuss what market failures theoretically justify industrial policy, what the empirical relevance of these failures and what the most adequate instruments to be used in case of public intervention. From this perspective, we analyze the Brazilian industrial policy, such as described in Brasil (2003). Finally, we conclude that horizontal policies, besides to be less subject to the influence of self-interested groups, have more potential to foster Brazilian growth.

Gestão da qualidade no Brasil: setor manufatura

This project intends to analyse quality management in Brazilian manufacture segment. The study was undertaken through the mailing of an extensive questionnaire to a convenience sample of large-, mid- and small-sized companies. The survey covers social-organizational, technical-technological and economical-competitive aspects of the firms. It has appraised the procedures used in quality management as well as the results achieved by firms on this respect. This research is part of a worldwide program on quality management, under the coordination of Prof. Gustavo Vargas from California State University at Fullerton.

Opções reais: exemplo de aplicação para avaliação de reservas petrolíferas

Este trabalho teve como objetivo incluir flexibilidades gerenciais (tais como técnicas de injeção de gás e água) na avaliação de reservatórios. Concluimos que esta técnicas podem aumentar o valor dos reservatórios em até 25% segundo a teoria de opções reais. A principal vantagem da metodologia de teoria de opções face a tradicional técnica de fluxo de caixa descontado é levar em conta as questões operacionais da indústria do petróleo. Utilizamos dois modelos clássicos para a precificação de reservatórios de petróleo, e aplicamos uma análise de sensibilidade para determinarmos quais fatores são mais relevantes no seu valor econômico. Como era de se esperar em ambos os modelos, o tempo de concessão, bem como a taxa de convenience e/ou dividend yield foram os fatores mais importantes.

Gestão de qualidade no Brasil: setor serviços

O presente relatório origina-se de projeto destinado a analisar a gestão da qualidade no setor de serviços nacional. A pesquisa foi conduzida através do envio de questionário, contendo 135 perguntas, a uma amostra, selecionada por conveniência, de empresas de grande, médio e pequeno portes do segmento de serviços. A sondagem cobre aspectos socioorganizacionais, técnico-tecnológicos e econômico-competitivos das indústrias. Foram avaliados os procedimentos usados na gestão da qualidade e os resultados obtidos. O trabalho insere-se numa pesquisa mundial sobre gestão da qualidade, coordenada pelo Prof. Gustavo Vargas da Universidade Estadual da Califórnia em Fullerton.

Gestão da qualidade no Brasil: setor processamento

This project intends to analyse quality management in Brazilian processing segment. The study was undertaken through the mailing of an extensive questionnaire to a convenience sample of large-, mid- and small-sized companies. The survey covers social-organizational, technical-technological and economical-competitive aspects of the firms. It has appraised the procedures used in quality management as well as the results achieved by firms on this respect. This research is part of a worldwide program on quality management, under the coordination of Prof. Gustavo Vargas from California State University at Fullerton.

Análise dos fatores de convencimento do juízo brasileiro quanto à ocorrência de fraude contábil: um estudo de caso Múltiplo da Gallus, da Encol e do Banco Santos

This work is based on the analysis of three Brazilian cases of condemnation by accounting fraud and financial reports manipulation of data, where we tried to identify if there is condemnation by accounting fraud in Brazil and the main factors considered by the judge to convince them about the accounting fraud. The theoretical reference quoted involves the theory of fraud, the psychology of fraud, examples of financial fraud in foreign companies and Brazilians banks and the law in Brazil regarding fraud and money laundering. The methodology consisted in studies of Brazilian cases with the data collection criteria from three law suits. The methodology used was the Contents Analysis The samples were chosen according to the impact those cases had in Brazil and the facility to access their law suits. Therefore, we chose Gallus Agropecuária S/A, Encol S/A and Banco Santos S/A for a matter of convenience. The evidence indicated that in those three cases, the court was convinced by the accounting fraud due to omission of relevant financial information in the balance sheet, by information provided to the market that didn¿t reflect the healthy of the company (assets written up without the property). It was identified as well that, in those three cases, there was condemnation not only for the accounting fraud per si, but also by the combination of other crimes as money laundering, fraud gang, material and ideological false fraud, and bankruptcy.

Consumo para obtenção de status: estudo empírico entre meninas pré-dolescentes de São Luis do Maranhão

The consumption of goods from brands in vogue, which symbolize status, popularity, success and social distinction, among those from the same social group in a pre-teenage girls¿ environment, has been a topic for academic studies as well as the market, due to their relevant consumption power for the companies worldwide. This paper aims to check out the use of these goods by them in São Luís, in order to become popular, succesful and socially distinguished; and the relation of the consumption for status with the brand image consumed and the pre-teenage girl self image; how familiar with the goods and the brand they are; and their attitude concerning their qualities. The empirical metodology had two phases: a qualitative and a quantitative one. The first one started with a specific group of 8 (eight) pre-teenage girls from high and medium classes, with the purpose of collecting some basis in order to reinforce the theory once the hypothesis were elaborated and used to guide the quantitative research as well as to adapt some North American scales. In the second stage of the qualitative research, a survey was applied in a convenience sample of 300 (three hundred) pre-teenage girls from São Luís, all from the high, medium high and low classes. The main result showed the pre-teenage girls from São Luís consume goods and brands for status, so they could get prestige, success, and social distinction, however, they do not define themselves or judge the social status of those from their social group based only on the clothes they wear and the brands which indicate their consumption power. Some other status symbols are important too, like, housing, the family car, the neighborhood where they dwell, the parents¿ occupation; the school they go to, the long and straight hair, how correct they speak Portuguese and their holiday trips. Another result highlighted was the strong relation of the brand image with their self image in the consumption for status.

O impacto das práticas ITIL na flexibilidade organizacional - evidências empíricas em uma empresa multinacional de TI

The present work has as main objective the identification and impact analysis for the practice ITIL in the organizational flexibility of a multinational IT company, being this study of quali-quantitative and exploratory nature. To achieve this objective, some theoretical studies on bureaucracy, organization flexibility, control, IT governance and ITIL were done, as a form to better understand the research problem. For analysis effect a set of eleven ITIL process was considered in this research ¿ service desk, incident management, problem management, change management, configuration management, release management, service level management, availability management, capacity management, continuity management and finally IT financial services management ¿ grouped in its two core areas ¿ service support and service delivery. Then a scale was constructed and validated, on the basis of theoretical models developed by Volberda (1997), Tenório (2002) and Golden and Powell (1999), to measure the flexibility related to each process comprising the ITIL core. The dimensions adopted to measure flexibility were: organization design task, managerial task, IT impact on work force, HR management, efficiency impact, sensitivity, versatility and robustness. The instrument used in research was a semi-structured interview, which was divided in two parts. The data collection was performed with ten interviewed people from an IT multinational company, based on convenience, some were managers and there were users, some were ITIL certified and others not. The statistic tests of t student and Wilcoxon non-parametric were adopted. The result of the research indicated that the ITIL service support area, for possessing greater operational focus, presents flexibility trend. The opposite was found for the service delivery area, which has greater tactical focus. The results also suggest that the change management discipline was the one that contributed for the most flexibility inside the company, followed by incident management discipline and the service desk function.