| 1. |
- Carlander, Anders, 1979, et al.
(författare)
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Financial Literacy and Debt
- 2019
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Ingår i: Indebtedness in early adulthood : causes and remedies / Jeanette Carlsson Hauff, Tommy Gärling, Ted Lindblom (red.). - Cham, Switzerland : Palgrave MacMillan. - 9783030139957 ; , s. 129-149
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Bokkapitel (refereegranskat)abstract
- Given the empirical evidence of the effect of financial literacy on a number of debt-related financial behaviors, such as e.g., mortgage-related decisions and use of credit cards, the construct of financial literacy is defined (including both level of objective knowledge and individuals’ own perception of level of knowledge) and discussed, both in general and connected to borrowing decisions. Together with age, gender, education, and income, the impact of financial literacy on a number of variables (including choice of variable or fixed mortgage rates, use of credit cards and use of pawn shops) is assessed and discussed. The connection between literacy and indebtedness for the group of young adults is also specifically addressed.
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| 2. |
- Carlander, Anders, 1979, et al.
(författare)
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The role of perceived quality of personal service in influencing trust and satisfaction with banks
- 2018
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Ingår i: Financial Services Review. - 1057-0810. ; 27, s. 83-98
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Tidskriftsartikel (refereegranskat)abstract
- Trust is of paramount importance to banks. Previous research has shown that trust increases with repeated personal contacts. We investigate if this applies to the customer-employee relationship in banks. Data from an on-line survey of 293 customers of Swedish retail banks are used to construct indicator measures. By means of structural equation modeling we find that trust in the bank is influenced by perceived quality of personal service through employees’ perceived competence, perceived benevolence, and perceived transparency, and that satisfaction with the bank is influenced by perceived quality of personal service through perceived competence, perceived benevolence, perceived transparency, and trust.
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| 3. |
- Elliot, Viktor, et al.
(författare)
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Wealthy individuals: Not to be overlooked when thinking ESG investment strategy
- 2022
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Ingår i: Journal of Financial Transformation. - 1755-361X. ; 56, s. 110-116
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Tidskriftsartikel (övrigt vetenskapligt/konstnärligt)abstract
- Philanthropy has a long-standing tradition among wealthy individuals. Their donations have the potential to make important positive contributions to a range of causes. We argue that the philanthropic efforts made by this powerful demographic in part correspond to the common definition of environmental, social, and governance (ESG) or sustainable investment practices more broadly. The wealthy, therefore, cannot be overlooked when we think about sustainable investing. We describe the philanthropic attitudes and giving behavior in a sample of 417 wealthy individuals with at least U.S.$5.5 million to invest. We focus on the motivations behind their donations, and more specifically giving to environmental causes, which can inform sustainable investment intentions. Our findings are relevant to the wealth management industry that seeks to increase its understanding about this demographic and for organizations as they develop their ESG strategies.
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| 4. |
- Hagberg, Johan, 1973, et al.
(författare)
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Försäkringsbolaget i de digitala ekosystemen – nya former av intermediering
- 2021
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Rapport (övrigt vetenskapligt/konstnärligt)abstract
- Rapporten redovisar resultat från projektet Försäkringsbolaget i de digitala ekosystemen – nya former av intermediering. Projektets syfte har varit att belysa hur framväxande digitala ekosystem inverkar på försäkringsbranschens funktion som intermediär med specifikt fokus på 1) hur olika digitala ekosystem är utformade och vilka implikationer det har för intermediering av försäkringar, 2) hur tillgången till data i digitala ekosystem kommer att påverka försäkringsbolagets prissättning och riskbedömningar, samt 3) hur lokal respektive digital närvaro inverkar på försäkringstagare i framväxande digitala ekosystem. I rapporten ges en bakgrund till den pågående digitalisering som tar fasta på tio dimensioner av förändring från en industriell logik till en digital logik, följt av en beskrivning av den svenska försäkringsbranschen och förändring till följd av digitalisering fram till idag. Därefter beskrivs och diskuteras framväxande digitala ekosystem, olika aktörer som verkar i digitala ekosystem och hur det påverkar intermediering av försäkring. Detta följs av en analys av den informationsasymmetri som präglar försäkringsbranschen och hur denna påverkas av digitalisering. Därefter riktas fokus mot konsumenter i digitala ekosystem och specifika konsekvenser för försäkring när det gäller frågor kring integritet och betydelsen av lokal närvaro. Slutligen presenteras övergripande slutsatser utifrån projektets forskningsfrågor. Rapporten visar framväxten av digitala ekosystem där försäkring antingen är en central- eller komplementär komponent och där såväl etablerade försäkringsaktörer som nya aktörer är drivande. Framväxten av digitala ekosystem kan bidra till att förändra intermediering av försäkring genom uppdelning av försäkringserbjudandet respektive sammanslagning i mer omfattande värdeerbjudanden. Rapporten visar på en tydlig fortsatt ökning av tillgången till och användningen av nya datakällor för att både stödja och vidareutveckla försäkringsaffären, vilket kommer att medföra behov av att förstärka och förnya existerande praxis kring prissättning och riskbedömning. Vidare visar rapporten på hur lokal närvaro utgör en del av mer omfattande frågor kring integritet, vilka blir alltmer betydande för försäkringstagare i framväxande digitala ekosystem.
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| 5. |
- Hagberg, Johan, 1973, et al.
(författare)
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Konsumtionsrapporten 2022
- 2022
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Rapport (övrigt vetenskapligt/konstnärligt)abstract
- I Konsumtionsrapporten 2022 sammanfattas och analyseras konsumtionen i Sverige under 2021 och merparten av 2022. I den första delen, ”Hushållens konsumtion” ges en översikt över den privata konsumtionen i Sverige, hur den har förändrats i såväl kortare som längre perspektiv samt hushållens framtidstro avseende sin egen och Sveriges ekonomi. I andra delen, ”Detaljhandeln” beskrivs försäljning och utveckling inom detaljhandeln under 2021 och inledningen av 2022 med fokus på olika delbranscher, kanaler och platser, e-handeln respektive den butiksbaserade detaljhandeln. Den andra delen avslutas med handelns framtidsförväntningar. Den tredje delen ”Framtidsutsikter” tar avstamp i konsumenters och handelns framtidsförväntningar från de två första delarna och fördjupar analysen av framtidsutsikter utifrån publicerade prognoser och uttalanden från ekonomiska bedömare. Årets rapport innehåller tre fördjupningsdelar som var en och analyserar aktuella teman inom konsumtion. Under lång tid har det skett en ökad digitalisering av konsumtionen och inte minst under pandemin har många konsumtionsbeteenden förskjutits mot en allt större användning av internet och olika digitala gränssnitt som till exempel webshopar, social media och strömningstjänster. I takt med detta har det också väckts många frågor som berör säkerhet och personlig integritet online. I den första av fördjupningsdelarna analyserar Jeanette Carlsson Hauff konsumenters upplevda fördelar och risker avseende digital integritet vid användning av olika digitala tjänster. I den andra fördjupningsdelen visar Niklas Sörum på konsumenters olika förhållningssätt till datainsamling och datadriven marknadsföring. Andra konsumtionsbeteenden som aktualiserats under de senaste åren är olika typer av reaktioner på eller förberedelser inför kriser i termer av bunkring, hamstring och prepping. I den tredje delen analyserar och diskuterar Elias Mellander olika exempel på kriskonsumtion och hemberedskap.
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| 6. |
- Hauff Carlsson, Jeanette, 1965, et al.
(författare)
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Breaking the ice of low financial involvement: Does narrative information format from a trusted sender increase savings in mutual funds?
- 2016
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Ingår i: International Journal of Bank Marketing. - 0265-2323. ; 34:2, s. 151-170
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Tidskriftsartikel (refereegranskat)abstract
- Purpose – The purpose of this paper is to investigate how trust in the sender of financial information and a narrative vs fact-related format of the information influence intentions to save in a mutual fund. Design/methodology/approach – In Experiment 1, 186 undergraduates participate and in Experiment 2, 434 Swedish citizens between 18 and 70 years randomly chosen from a consumer panel. In both experiments participants are randomized to two conditions in which they are presented with the same information about a mutual fund in a narrative or a traditional fact-related format. In four different between-groups conditions crossed with information format, pre-tested descriptions of different fictitious banks are presented. The descriptions are combined in a fractional factorial design such that one bank is low in the three trust determinants of competence, benevolence and transparency, whereas the other three banks are high in one of the trust determinants but lower in the others. Ratings are made of the information with respect to how much positive affect the information evokes, interest in the message and intention to save in the mutual fund. Findings – In both experiments the narrative compared to the fact-based information format increases positive affect, interest and intention to save. Trust in the bank has an independent effect of increasing the intention to save. Practical implications – The narrative format of financial information may be key to increase involvement in financial choices but needs to be supplemented by a message that reinforces the positive affect and interest evoked by the format. Originality/value – A demonstration of how a narrative format of financial information and trust in the sender jointly influence intentions to save in a mutual fund.
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| 7. |
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| 8. |
- Hauff Carlsson, Jeanette, 1965, et al.
(författare)
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Determinants of indebtedness among young adults: Impacts of lender guidelines, explicit information and financial (over)confidence
- 2020
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Ingår i: International Journal of Consumer Studies. - : Wiley. - 1470-6423 .- 1470-6431. ; 44:2, s. 89-98
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Tidskriftsartikel (refereegranskat)abstract
- For most people, borrowing money is a necessary aspect of life in the 21st century. Wisely handled, loans give consumers access to consumption too expensive for most individuals to purchase with cash, such as homes and cars. However, history shows that taking on too much debt can be detrimental for the individual consumer as well as society as a whole. In this paper, we investigate determinants of over-indebtedness among young adults. We perform three studies in a setting focused on buying and borrowing money for a home. We show that, compared with an overall mortgage amount, explicit information about monthly payments reduces the tendency to take on too much debt (Study 1), that the amount borrowed depends on standards regarding the loan amount communicated through guidelines from the lender (Study 2), and that borrowers who are overconfident about their financial abilities tend to borrow more than less confident individuals (Study 3). These determinants and their policy implications are discussed.
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| 9. |
- Hauff Carlsson, Jeanette, 1965, et al.
(författare)
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Individual costs and societal benefits: the privacy calculus of contact-tracing apps
- 2021
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Ingår i: Journal of Consumer Marketing. - 0736-3761. ; 40:2, s. 171-180
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Tidskriftsartikel (refereegranskat)abstract
- Purpose: During 2020, governments around the world introduced contact-tracing apps to fight the COVID-19 pandemic. In order for contact-tracing apps to be efficient tools in combatting pandemics, a significant proportion of the population has to install it. However, in many countries, the success of apps introduced during the COVID-19 pandemic has been limited due to lack of public support. This paper aims to better understand why consumers seem unwilling to install and use a contact-tracing app. Design/methodology/approach: In this study, the authors test a number of determinants hypothesized to influence acceptance of contact-tracing apps based on the theory of privacy calculus (Dinev and Hart, 2006). Both perceived privacy concerns, as well as perceived hedonic, utilitarian and pro-social benefits are included. The hypotheses are tested through SEM analysis on a representative sample of 1,007 Swedish citizens. Findings: The results indicate significant privacy concerns with using contact-tracing apps. However, this is to some extent offset by perceived hedonic and pro-social positive consequences of using the app. This study further shows that a general positive attitude towards innovation increases acceptance of the app. Originality/value: The study contributes to research on consumer privacy, both in general in its application of the calculus model but also specifically in the context of contact-tracing apps. Moreover, as the results highlight which aspects that are important for consumers to accept and install an app of this kind, they also represent an important contribution to policymakers in countries around the world.
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| 10. |
- Hauff Carlsson, Jeanette, 1965, et al.
(författare)
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Is ESG mutual fund quality in the eye of the beholder? An experimental study of investor responses to ESG fund strategies
- 2022
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Ingår i: Business Strategy and the Environment. - : Wiley. - 0964-4733 .- 1099-0836. ; 32:4, s. 1189-1202
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Tidskriftsartikel (refereegranskat)abstract
- ESG-profiled mutual funds (funds incorporating some form of Environmental, Social, or Governance-related concern) is an increasingly prominent part of the financial services industry. While this category of funds may look homogenous on the surface, the fact is that there is there is considerable variation in how funds choose to account for ESG concern in the investment portfolio. In this paper, we ask whether these strategic choices surrounding the implementation of ESG affect retail investors' perception of sustainable quality, financial quality, and/or perceived overall quality of the ESG-fund. Through two experiments (n = 261; n = 437), we find that choice of ESG-strategy (exclusion, inclusion, or engagement) impacts perceived mutual fund quality, with a marked preference for the inclusion strategy. Surprisingly, however, we find that the impact on overall fund quality is mediated by perceived financial quality, not perceived sustainable quality. In a similar fashion, we also find that implementing the strategy through in-house sustainability experts, as opposed to relying on external sustainability expertise, positively affect perceived quality, through perceived financial quality. In all, these results highlight that the manner in which ESG-factors are integrated in the investment portfolio can affect perceived quality of mutual funds, as investors consciously or unconsciously assign different financial expectations to the strategies.
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