| 1. |
- Carlsson Kanyama, Karin, et al.
(författare)
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Climate change mitigation efforts among transportation and manufacturing companies : The current state of efforts in Sweden according to available documentation
- 2018
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Ingår i: Journal of Cleaner Production. - : ELSEVIER SCI LTD. - 0959-6526 .- 1879-1786. ; 196, s. 588-593
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Tidskriftsartikel (refereegranskat)abstract
- Globally, transportation and manufacturing emit large amount of greenhouse gases that needs to be lowered for reaching agreed upon slim ate goals. In this context evidence of mitigation activities among eighty-five companies and their forty-five parent companies in these two polluting sectors were traced focusing on a country that has committed itself to leading the implementation of ambitious climate mitigation goals worldwide. Documentation from the companies in the transportation and manufacturing sectors was scrutinized (yearly reports, homepages and sustainability reports, if available) for evidence of any mitigation efforts, including emissions reporting and reduction goals. The study's results found that two thirds of the companies seemed to have done nothing to mitigate climate change, while efforts in the remaining companies were modest at best; mitigation activities among the forty-five parent companies were only slightly more ambitious. The implications of these depressing findings are discussed in the light of possible caveats and the possibilities of new policy measures such as gender quotas in company boards. The conclusion is that the study's results most likely reflect reality in the studied sectors and that novel approaches and more sector oriented research is needed in the quest for a carbon-neutral society..
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| 2. |
- Engström, Rickard, 1972-
(författare)
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Den oberoende mellanmannen : En studie av fastighetsmäklarprofessionen och begreppet ”god fastighetsmäklarsed” i teori och praktik
- 2022
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Doktorsavhandling (övrigt vetenskapligt/konstnärligt)abstract
- Den svenska fastighetsmäklaren intar en roll som oberoende mellanman medomsorgsplikt mot både köpare och säljare, vilket skiljer sig från hurfastighetsmäklaryrket är organiserat på de flesta andra håll i världen. Därav är densvenska modellen värd att studera och analysera. I Sverige regleras yrket i lag.Utövarnas regelefterlevnad kontrolleras av Fastighetsmäklarinspektionen (FMI). Ettviktigt begrepp är ”god fastighetsmäklarsed”. Vad som bedöms vara ”godfastighetsmäklarsed” bestäms genom praxis från FMI och förvaltningsdomstolarna.En disciplinpåföljd från FMI kan bestå av erinran, varning eller återkallelse avregistrering, vilket medför ett yrkesförbud. En disciplinpåföljd kan överklagas tillförvaltningsdomstolarna.Denna avhandling består av en sammanhållande kappa och fyra artiklar sombeskriver fyra olika studier som gjorts för att bättre förstå förutsättningarna för deindivider som verkar som fastighetsmäklare på den svenska bostadsmarknaden. Detövergripande syftet är att beskriva och analysera fastighetsmäklares yrkesroll i ensvensk kontext och speciellt deras roll som oberoende mellanman. Med utgångspunkti tre forskningsfrågor används både kvalitativa och kvantitativa metoder för att samlain och analysera primära och sekundära data. Resultaten visar att verksamma svenskafastighetsmäklare balanserar de utmaningar som kan rymmas inom rollen somoberoende mellanman, men det finns också vissa gränsdragningsproblem avseende”god fastighetsmäklarsed”.FMI utdelar disciplinpåföljder till fastighetsmäklare vid regelöverträdelser. Att ivardagen förhålla sig till regelverk och praxis är svårare för vissa kategorierfastighetsmäklare: yngre fastighetsmäklare får oftare än äldre påföljden erinran, äldrefår oftare än yngre påföljden varning, och fastighetsmäklare verksamma i storstad fåroftare påföljden varning jämfört med fastighetsmäklare på landsbygden.Fastighetsmäklaryrket och professionsutvecklingen studeras i en jämförande studiemellan Australien (Victoria) och Sverige. De svenska branschorganisationerna –Mäklarsamfundet och Fastighetsmäklarförbundet (FMF) – är delaktiga i professionsutvecklingen,bland annat som huvudmän för Fastighetsmarknadens Reklamationsnämnd(FRN) som agerar enligt lagen (2015:671) om alternativ tvistlösning ikonsumentförhållanden. Avhandlingen ger vidare förslag till utveckling av såvälytterligare forskning som av praktiken.
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| 3. |
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| 4. |
- Faradynawati, Ida Ayu Agung, et al.
(författare)
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Sustainable Investment Preferences among Robo-Advisor Clients
- 2022
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Ingår i: Sustainability. - : MDPI AG. - 2071-1050. ; 14:19, s. 12636-
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Tidskriftsartikel (refereegranskat)abstract
- The increasing role of individual investors in supporting the achievement of sustainable development goals through sustainable investment has gained growing interest from financial authorities and the research community. Digitalization in the financial sector, e.g., robo-advisors, enables lay-investors to make sustainable investments in a simple and convenient way. This study investigates whether investment-related attitudes and demographic profiles are related to robo-advisor clients' sustainable investment choices. This paper describes an empirical study that uses a logistic regression model to investigate sustainable investment preferences at the individual investor level. Cross-sectional data consisting of 27,771 individual investors in Sweden, Norway, and Finland, who purchased investment products through a robo-advisor application, are used in this study. The results suggest that, concerning investment-related attitudes, robo-advisor clients with low-risk tolerance and a short investment horizon are more likely to choose to become sustainable investors. Furthermore, sustainable investments are preferred by robo-advisor clients who are less wealthy, female, and older.
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| 5. |
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| 6. |
- Hernvall, Patrik, et al.
(författare)
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Elevers förståelse av grundläggande privatekonomiska principer – implikationer för undervisning i HKK
- 2019
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Ingår i: Forskning om undervisning och lärande. - Stockholm. - 2000-9674 .- 2001-6131. ; 7:2, s. 111-136
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Tidskriftsartikel (övrigt vetenskapligt/konstnärligt)abstract
- Ämnet hem- och konsumentkunskap (HKK) bär ansvaret för undervisning i privatekonomi. Detta till trots saknas kunskap om hur elever förstår grundläggande privatekonomiska principer. Med utgångspunkt i en serie om tre workshoppar på tre skolor med totalt 191 elever har tematisk analys använts för att besvara frågeställningen ”Hur förstår elever, i årskurserna 4 till 6, privatekonomi?”. Artikeln visar att elevers förståelse av ekonomi generellt och villkoren för undervisning om ekonomi specifikt är sparsamt beforskat. Genom att relatera den empiriska studien till HKK-ämnet konstateras att det finns goda förutsättningar att utveckla och förstärka såväl undervisningen i som elevers förståelse av ekonomi. Analysen visar att resurs, värde och tid är de centrala principer eleverna använder för att förstå privatekonomi. Artikeln avslutas med en dikussion om hur elevers förståelse av ekonomi kan bidra till en utveckling av undervisning i privatekonomi inom ramen för ämnet hem- och konsumentkunskap.
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| 7. |
- Hernvall, Patrik, et al.
(författare)
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Teaching about Personal Finance in HCS : Suggestions from a Design-Based Research Approach
- 2020
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Ingår i: Designs for Learning. - Stockholm : Stockholm University Press. - 1654-7608 .- 2001-7480. ; 12:1, s. 29-44
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Tidskriftsartikel (refereegranskat)abstract
- Supported by the notion of concept-driven design and design-based research, as well as the tradition of critical pedagogy and the idea of sociomaterialism, the aim of this article is to explore and develop a didactic tool for education in personal finance to be used within the formal education system. The object studied is an artefact for teaching about personal finance among Swedish middle school pupils in the subject area Home and Consumer Studies (HCS). We define personal finance as economizing with (limited) private resources. In this article, we (a) describe the process of developing a prototype for teaching about personal finance and (b) discuss qualities of platform and content in relation to such an artefact. The design process is based on three assumptions (Hernwall & Söderberg, 2019): in contrast to many statistical/assessment studies, children this age have at least an initial understanding of basic principles of personal finances and of economizing; HCS teacher education in Sweden has little (to no) focus on personal finance; and Swedish HCS teachers are confronted with an almost complete lack of teaching material in the domain. Conceptualized as a design-based research methodology, the focus is therefore a didactic interest in supporting teachers’ possibilities to teach personal finances to their pupils in a way that supports learning based on the pupils’ own understanding of the basic principles of economization. Framed by design-based research, the artefact developed within the project is a prototype of a digital tool to be used as a teacher support in teaching about personal finance. One acknowledged aspect of the use of digital tools is that they allow multimodal literacy. The development of a prototype with the purpose of creating a tool for teaching about personal finance followed an iterative cycle of three stages and four interpretative revisions. The parallel process of developing and testing a technological artefact has resulted in seven proto-theories on essential qualities for a didactic tool that supports learning about personal finance. This entails not only the appropriation of economy as “economization with (limited) resources”, but also guides the transition from understanding to a useful repertoire of teaching activities.
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| 8. |
- Hullgren, Maria, 1960-, et al.
(författare)
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Borrower characteristics and mortgage choice in Sweden
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Tidskriftsartikel (övrigt vetenskapligt/konstnärligt)abstract
- This article is an attempt to answer calls for more knowledge about the effect of consumer characteristics on mortgage choice and, in light of the U.S. mortgage crisis, calls for more information on local mortgage market practices so as to find examples that can serve as best practices for policymakers. A complementary aim is to compare the results with those reported in other countries. In addition to exploring much-studied background variables, such as age, income, LTV ratio and education, the rated importance of previous experiences with mortgages and the influence of the media and bank advisors are examined. Data and methodsThe data used in this study were collected through a survey, distributed among a randomised representative sample of Swedish citizens by an independent market research institute, TNS/SIFO International, to its Web panel with a representative sample of the Swedish population. To control for changes in interest rates and other external factors affecting contract factors, a time limit was set, and the survey was conducted from 27 March to 4 May 2012. Only respondents who had made an active decision concerning their mortgages in the three months leading up to their participation in the survey were to be part of the sample. Owing to survey costs, a limit was set at approximately 500 individuals.The survey was distributed to 7,738 Web panelists, of whom 2,927 answered the survey. Of the 2,927 respondents, 2,426 were screened out because they did not comply with the survey inclusion criteria. Thus, 501 respondents were included in the study. Binary logistic regression was performed to assess the correlation of a number of contract factors and consumer characteristics and consumer perceptions of factors influencing mortgage choice of mostly FRMs. The results of this regression were compared to a set of hypotheses. ResultsAll nine variables in the proposed model made statistically significant contributions. Five of these variables—higher age, LTV ratio, income, education and risk aversion—are positively correlated to the choice of FRMs. In these five aspects, the Swedish mortgage market also seems to be driven by the same factors as in other mortgage markets.Contrary to what was hypothesised, households reporting low financial risk tolerance were less inclined to choose FRMs. This finding might be attributed to ARMs being marginally less expensive than FRMs during the investigated time period and to these households being unprepared to pay the risk premium inherent in FRMs.The findings also show that the following factors have an impact on mortgage choice: consumers’ personal experiences in home buying, the influence of the media and the influence of bank advisors. The first two factors have a negative effect on the choice of FRMs, whereas the last factor is positively correlated to the choice of FRMs.The paper suggests that in addition to the factors that are commonly investigated in connection to mortgage choice, there are other factors such as previous mortgage experience and the roles of the media and financial advisors that influence the choice between fixed and adjustable mortgages.
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| 9. |
- Hullgren, Maria, 1960-, et al.
(författare)
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Borrower characteristics and mortgage rate choice in Sweden
- 2016
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Ingår i: International Journal of Bank Marketing. - : Emerald Group Publishing Limited. - 0265-2323 .- 1758-5937. ; 34:5, s. 649-669
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Tidskriftsartikel (refereegranskat)abstract
- Purpose– The purpose of this paper is to investigate driving forces behind mortgage rate choice among homeowners in a market of no mortgage rate spread. The study reported on was conducted in Sweden, a country relatively spared both from effects of the subprime crisis and the on-going Euro-crisis. A number of potentially influential factors, such as respondents’ risk aversion, financial vulnerability, experience, expectations as well as the impact of media and bank advisors are examined and a number of demographic factors controlled for. Design/methodology/approach– The study reported on is based on data from a national randomized survey conducted in Sweden in 2012. An empirical analysis is carried out on a sample of 474 households with mortgages. A logistic regression is performed to test a model based on hypothesized factors. Findings– The study shows that consumers choosing fixed rate mortgages (FRMs) have high LTV and high risk aversion and perceive their choice as having been influenced by bank advisors. This is in line with earlier findings. Lower levels of – or no – FRMs (more adjustable rate mortgages) seems to be attractive for the wealthier with higher education and previous experience of home owning. Other factor negatively affecting the choice of FRMs are: being younger; being influenced by media; and perceiving oneself as financially vulnerable. Research limitations/implications– To summarize, this paper contributes to research in two major ways: first, the Swedish case is modeled against a review of international research on mortgage rate choice. Second, a number of consumer-related factors are investigated, and their relative contribution as drivers of a choice of FRMs are tested. This gives input to more theoretical research conceptualizing a model for the understanding of how consumer mortgage rate choices are made. Practical implications– The results should serve as an alarm bell for the industry, as the consumers described – the youngest mortgage holders, the financially vulnerable with low repayment capacity and those easily influenced by reports in media – are a potential threat to stable development of long term customer relations and mortgage portfolios. Social implications– The results gives reason for policy makers to address the question and reasons to call for more studies of the preferences and choices of the younger consumers. Originality/value– This study represents an investigation into some factors not often studied in relation to mortgage rate choice. It also highlights the Swedish case and puts it in an international context.
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| 10. |
- Hullgren, Maria, 1960-, et al.
(författare)
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The relationship between consumer characteristics and mortgage preferences: A case study from Sweden
- 2012
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Ingår i: International Journal of Housing Markets and Analysis. - 1753-8270. ; 6:2, s. 209-230
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Tidskriftsartikel (refereegranskat)abstract
- Purpose– The purpose of this paper is to investigate consumer characteristics that influence Swedish consumers’ mortgage rate decisions, such as the choice between an adjustable rate mortgage (ARM) and a fixed rate mortgage (FRM).Design/methodology/approach– Data were collected in a randomised survey of the Swedish population in 2010. Through binary logistic regression, the effects of education, income and risk aversion on household mortgage decisions are investigated. In addition, consumers’ financial literacy and self-reported ability to handle sudden mortgage rate increases are examined. A test of gender effects is also performed.Findings– The results show that a lower level of education, lower income, lower financial literacy, and trouble handling interest rate increases influence Swedish consumers to choose ARMs. Gender does not significantly affect the overall results. However, a gender-divided regression shows that age, a low level of education and risk averseness significantly affect men’s mortgage choices, whereas income, trouble handling interest rate increases and low financial literacy significantly affect women’s mortgage choices.Practical implications– The most vulnerable Swedish consumers choose FRMs to a greater extent and, thereby, make future expenditures more predictable for the single household by reducing liquidity risks.Originality/value– This paper tests a number of characteristics in predicting consumers’ mortgage choices, emphasises the importance of loan takers’ ability to cope with sudden mortgage rate increases, highlights the importance of financial literacy in understanding consumers’ financial choices and elucidates the Swedish case.
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| 11. |
- Katzler, Sigrid
(författare)
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Improving strategic decisions for real estate investors : Perspectives on allocation and management
- 2017
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Doktorsavhandling (övrigt vetenskapligt/konstnärligt)abstract
- Real estate is an attractive asset class in the mixed-asset portfolio due to favorable risk return characteristics and low correlations with other asset classes like stock and bonds. Unlike financial assets, real estate is a physical asset where large lot sizes/indivisibility, heterogeneity, low liquidity and high transaction costs make applying financial models like modern portfolio theory (MPT) challenging. Optimal allocations to real estate found in literature are generally lower than actual allocations by investors and portfolio managers indicating there are aspects of the application of MPT to real estate that are not fully understood. Since management of real estate is costly and requires expert skills, the question on whether to outsource property management functions is of paramount interest for the real estate industry.The aim of the thesis is to contribute to the literature on strategic decisions for real estate investors on allocation and management, Apart from reviewing literature relevant for strategic decisions at different levels and using a top-down approach to illustrate how selected allocation and management decisions are connected, four separate empirical studies are made to investigate the nature of selected strategic decisions for real estate investors.
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| 12. |
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| 13. |
- Rydén, Lisbeth, 1967-
(författare)
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Diskursiv arbetsmiljö : Ett nytt perspektiv på organisatorisk arbetsmiljö
- 2020
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Doktorsavhandling (övrigt vetenskapligt/konstnärligt)abstract
- Studiens övergripande syfte är att bidra till kunskap om organisatorisk arbetsmiljö. Studiens specifika syfte är tudelat: dels att undersöka och utvärdera en diskursiv ansats för att bedöma och hantera organisatorisk arbetsmiljö, dels att undersöka och utveckla en modell för att bedöma och hantera organisatorisk arbetsmiljö med en diskursiv ansats. Den diskursiva ansatsen arbetades fram genom att fokusera på de grundläggande ontologiska och epistemologiska frågorna och utgår från en socialkonstruktivistisk syn på såväl organisationers som människors existens.Den diskursiva ansatsen uppmärksammar framförallt två övergripande faktorer i den organisatoriska arbetsmiljön. Den ena faktorn berör hur organiserandet påverkar såväl den individuella som den gemensamma förmågan att göra ett väl utfört arbete. Den andra faktorn berör de existentiella konsekvenserna som organiserandet, och det direkta tilltalet inom organisationen, kan medföra för de chefer och medarbetare som berörs.Modellen för att bedöma organisatorisk arbetsmiljö med en diskursiv ansats består av tio steg – från att generera ett relevant empiriskt material till att intervenera i den organisatoriska (diskursiva) arbetsmiljön. I arbetet med att utveckla modellen uppstod ett behov av ett begrepp för den ”form” de organiserande diskurserna skapar för chefer och medarbetare. Formen definierar hur organisationens medlemmar förväntas vara för att passa in i organiserandet. Den form som de organiserande diskurserna skapar benämns i avhandlingen organisatorisk idealkaraktär och är en viktig del av den analys som ingår i modellen för att bedöma organisatorisk arbetsmiljö med en diskursiv ansats.Modellen lyfter fram en problematisering, analys och bedömning baserad på de diskurser som styr organiserandet, det aktuella arbetets karaktär och den organisatoriska idealkaraktären. Är de tre aspekterna förenliga? Samverkar de så att de stärker förmågan att göra ett väl utfört arbete – på kort respektive lång sikt – eller försvagar de den?Diskursiv arbetsmiljö är ett samlingsbegrepp som betecknar den arbetsmiljö som skapas av de organiserande diskursernas samverkan och de risk- och friskfaktorer som kan uppmärksammas med en diskursiv ansats för att bedöma organisatorisk arbetsmiljö.
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| 14. |
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| 15. |
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| 16. |
- Söderberg, Inga-Lill, 1962-, et al.
(författare)
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Exploring Factors Promoting Recycling Behavior in Student Housing
- 2022
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Ingår i: Sustainability. - : MDPI AG. - 2071-1050. ; 14:7
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Tidskriftsartikel (refereegranskat)abstract
- As climate-related issues are important and concern all aspects of the built environment, there is a need to better understand the motives underlying household recycling behavior. The purpose of the present study is twofold: to investigate factors important for explaining the recycling behavior of young people and to explore respondents' own ideas regarding barriers to recycling. This paper reports on a survey conducted from 2020 to 2021 among residents of student housing in Stockholm, Sweden. Eight hypotheses were formulated based on earlier research and a model was constructed. Answers from 1202 respondents were first analyzed by logistic regression to test factors affecting respondents' self-reported recycling of paper, plastic, glass, and metal. Results show that the full model containing all predictors was statistically significant. The results showed that only four of the hypotheses were confirmed. Positive attitude toward recycling, personal norms, perceived behavioral control, and perceived convenience of recycling are positively affecting recycling behavior. In addition, 673 open answers were analyzed to provide information on unforeseen factors of importance for recycling behavior. This study adds to research by testing factors affecting recycling behaviors in a national context and by identifying new possible factors of importance. The results are also of benefit to business practitioners within the construction sector or within facility management in identifying activities that would add to sustainable development.
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| 17. |
- Söderberg, Inga-Lill, 1962-
(författare)
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Financial Advisory Services : Exploring relationships between consumers and financial advisors
- 2013
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Doktorsavhandling (övrigt vetenskapligt/konstnärligt)abstract
- The need for more knowledge about different aspects of financial advisory services has been highlighted by scholars of many disciplines, and calls for more in-depth studies of this practice have been put forward. The purpose of this thesis is to answer this call and, thereby, enhance knowledge about financial advisory services and the provision and receipt of advice occurring in a face-to-face encounter between a professional advisor and a consumer. The thesis consists of five papers in which different methodological and theoretical lenses are applied to the study of the practice. A mixed methods approach is applied to the object of study—financial advisory services. This approach entails using qualitative methods to analyze video-recorded interviews and quantitative methods to analyze survey data. The qualitative methods are used primarily to generate new constructs and ideas, whereas quantitative methods are used more to confirm and deepen the knowledge of constructs and relationships.The findings show that there are important aspects of financial advisory services that have been previously neglected. The characteristics of both consumers and advisors, as tested from the aspect of gender, are shown to have importance for both consumer and advisor perceptions of different aspects of core elements of financial advisory services. Focusing on the micro-foundations of the relationship between customer and advisor in financial advisory services reveals the importance of mirroring for customers in perceiving a relationship. Two types of interactions that customers do not consider to be relationships are identified. Scholars have referred to occasions in which customers are too trusting as “the dark side of trust”, meaning that the customer becomes less actively involved in the relationship with increasing advisor trust. Applying a concept borrowed from psychotherapy—working alliance—has opened up possibilities for further exploration of the inner workings of the financial advisory session. This thesis proposes and tests the concept of a working alliance as a way of enhancing theory and, thereby, the understanding of relationships between consumers and service providers.The results of this thesis have implications for theory by contributing to the understanding of relationships. The implications for policymakers, the industry, and advisors and customers are many. Exploring the practice of financial advisory services lays the groundwork for discussions on, and elaborations of, regulations, educational programs, and hiring practices within the industry, as well as on financial literacy programs directed toward consumers.
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| 18. |
- Söderberg, Inga-Lill, 1962-
(författare)
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Finanssektorns framtida kompetensbehov
- 2008
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Rapport (övrigt vetenskapligt/konstnärligt)abstract
- På uppdrag av styrelsen för Centrum för bank och finans, Cefin, vid Kungliga Tekniska högskolan, KTH, i Stockholm har projektet ”Finanssektorns framtida kompetensbehov” sökt synliggöra vilka framtida kunskapsbehov som finns inom den finansiella sektorn i Sverige.Syftet har varit att skapa ett underlag för samtal mellan olika aktörer för att i ett längre perspektiv säkerställa att rätt utbildad arbetskraft finns tillgänglig för sektorns behov. Rapporten bygger på semistrukturerade intervjuer (fyra problemområden, identifierade genom en förstudie, nämndes vid i övrigt öppna samtal) med 42 representanter för olika områden inom finanssektorn. Ur dessa intervjuer, vilka anonymiserats, har ett scenario avseende sektorns utveckling och framtida kunskapsbehov tagits fram. Slutsatserna har så kommenterats av företrädare dels för olika akademiska ämnesområden och dels för olika, för den studerade samhällssektorn relevanta, utbildningssteg. Generellt kan sägas att de kunskapsområden som bör föranleda ett särskilt intresse från såväl branschens aktörer som utbildningsväsendets representanter är: matematikkunskaper – både på djupet och bredden sambanden mellan företagsekonomi och nationalekonomi samt kunskap om de finansiella systemen juridikkunskaper – både specialiserade och generella IT-kompetens – huvudsakligen övergripande systemarkitektur pedagogik, psykologi och specialiserad marknadsföring I undersökningen framkom också en önskan om närmare samverkan mellan utbildningsväsendet och finansbranschen. Respondenterna pekade även på internationaliseringens möjliga betydelse för det svenska utbildningsväsendet.
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| 19. |
- Söderberg, Inga-Lill, 1962-
(författare)
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Gender stereotyping in financial advisors assessment of customers
- 2012
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Ingår i: Journal of Financial Services Marketing. - : Palgrave Macmillan. - 1363-0539 .- 1479-1846. ; 17:4, s. 259-272
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Tidskriftsartikel (refereegranskat)abstract
- This article presents the results of a comparison of male and female advisors assessment of their customers. The findings from the empirical material, consisting of 361 advisors answers to a questionnaire, show significant evidence that advisors assess their customers differently depending not only on customer gender, but also according to their own gender. The investigated variables are the advisors assessment of consumers perception of their own risk tolerance, customer satisfaction with the advisor, customer trust in the advisor, customer likelihood to follow the advice given and advisors ratings of customer financial literacy. Male advisors rated consumers answers higher than did their female colleagues for all variables, with the exception of advisors ratings of consumer financial literacy. Advisors and their employers in the financial services industry, as well as policymakers, should be aware of the possible association between advisor gender and potential gender stereotyping of clients.
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| 20. |
- Söderberg, Inga-Lill, 1962-
(författare)
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Gender Stereotyping in Financial Advisors’Assessment of Customers
- 2016. - 1
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Ingår i: Financial Literacy and the Limits of Financial Decision-Making. - Cham : Springer. - 9783319308852 ; , s. 260-280
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Bokkapitel (refereegranskat)abstract
- This article presents the results of a comparison of male and female advisors’ assessment of their customers. The findings from the empirical material, consisting of 361 advisors’ answers to a questionnaire, show significant evidence that advisors assess their customers differently depending not only on customer gender, but also according to their own gender. The investigated variables are the advisors’ assessment of consumers’ perception of their own risk tolerance, customer satisfaction with the advisor, customer trust in the advisor, customer likelihood to follow the advice given and advisors’ ratings of customer financial literacy. Male advisors rated consumers’ answers higher than did their female colleagues for all variables, with the exception of advisors’ ratings of consumer financial literacy. Advisors and their employers in the financial services industry, as well as policymakers, should be aware of the possible association between advisor gender and potential gender stereotyping of clients.
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| 21. |
- Söderberg, Inga-Lill, 1962-
(författare)
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Relationships Between Advisor Characteristics and Consumer Perceptions
- 2013
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Ingår i: International Journal of Bank Marketing. - : Emerald Group Publishing Limited. - 0265-2323 .- 1758-5937. ; 31:3, s. 147-166
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Tidskriftsartikel (refereegranskat)abstract
- Purpose – This paper aims to investigate the relationships between advisor characteristics and consumer risk perception, willingness to follow advice and perception of advisor credibility in a financial services context. It answers calls for more knowledge about financial advisors’ influence on financial decision‐making among consumers.Design/methodology/approach – An experimental study, displaying financial advice together with photographs of advisors, was completed by convenience sampling of 200 Swedish consumers and analysis using statistical techniques to compare groups: two‐way between‐groups ANOVA.Findings – This study shows that advisor gender affected consumer risk perceptions, willingness to follow advice and perception of advisor credibility in a financial services context, whereas advisor mood affected only consumer willingness to follow advice. No biases depending on buyer–seller similarity were found.Research limitations/implications – The study focuses on consumer perceptions – not real‐life investment choices. Conclusions are drawn from a relatively small sample. However, the policy implications are important, suggesting that characteristics other than those of consumers (e.g. gender, educational level, occupation, financial literacy) can be of relevance for policymakers in their attempts to improve consumer protection.Practical implications – The findings provide useful insights for marketing practitioners that could help adjust information disseminated to consumer segments and that could have implications for marketing and hiring practices in the financial sector.Originality/value – This paper illustrates the role of advisor characteristics in consumer financial decision‐making and calls for more research on financial advisory services.
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| 22. |
- Söderberg, Inga-Lill, 1962-, et al.
(författare)
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Återvinning i studentbostäder : En enkätstudie
- 2021
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Rapport (övrigt vetenskapligt/konstnärligt)abstract
- Vi är gemensamt intresserade av vad som påverkar återvinningsbeteende och hargenomfört denna enkätstudie i syfte att lära mer om studentboendes attityder tillåtervinning och möjliga faktorer som påverkar de boende att avfallssortera föråtervinning. Vi har formulerat en enkät där våra frågor baserat på tidigare forskning. Itidigare studier har olika faktorer visat sig statistiskt signifikanta när det gäller attförklara boendes återvinningsbeteende. Vi har därför valt att använda frågebatteriersom verifierats av andra, så att vi kan anta att våra frågor mäter vad de avser mäta. Detinnebär också att vi kan jämföra våra resultat med andras. Förutom detta bestårenkäten också av några bakgrundsfrågor baserade på att kön, ålder ochämnesinriktning (studier eller arbete) har visat att dessa är statistiskt signifikanta förval att avfallssortera. Enkäten har, administrerat av Stockholms studentbostäder, säntstill samtliga hyresgäster i 25 studentbostadsområden i Stockholm i december 2020 –januari 2021. Tiden sammanföll med en pandemi som sannolikt påverkat studien.
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| 25. |
- Zhu, Hui, et al.
(författare)
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Implementing artificial intelligence empowered financial advisory services : A literature review and critical research agenda
- 2024
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Ingår i: Journal of Business Research. - : Elsevier BV. - 0148-2963 .- 1873-7978. ; 174
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Tidskriftsartikel (refereegranskat)abstract
- Robo-advisors, also known as robo-advisory services, significantly reshape customer service in financial advisory industries, transforming retail investor markets by substituting human financial advisory experts with artificial intelligence empowered services. However, existing literature remains scattered across disciplines, with theories on financial customer service predominantly focused on Internet banking, neglecting artificial intelligence empowered interactions. Thus, service providers need a framework for implementing robo-advisors in frontline service and researchers require an advanced agenda to stimulate future research. Through a systematic, interdisciplinary literature review based on Belanche et al.’s service robot framework, this article contextualizes service robot theories into financial advisory services, synthesizing knowledge on artificial intelligence empowered customer service. We contribute to literature on service robots by contextualizing, refining, and extending the original framework by Belanche et al. and by developing a research agenda with critical perspectives. Moreover, the study yields practical and theoretical insights into artificial intelligence empowered financial advisory services.
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| 26. |
- Zhu, Hui, et al.
(författare)
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Not transparent and incomprehensible : A qualitative user study of an AI-empowered financial advisory system
- 2023
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Ingår i: Data and Information Management. - : Elsevier. - 2543-9251.
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Tidskriftsartikel (refereegranskat)abstract
- AI-empowered and algorithm-driven automated financial advisory systems, also known as Robo-advisors, have been rapidly implemented by service providers and customers in financial service markets. Yet, few empirical studies investigate customers’ experience interacting with fully functional Robo-advisors in real-life scenarios. Also, it is still unknown how the design of the automated system can affect customers’ perception and adoption of this new technology. To mitigate these gaps, 24 participants with different levels of experience and understanding of financial investment were asked to use a Robo-advisor from a retail bank and perform the tasks. By conducting observations and retrospective post-test interviews, we find that participants do not fully perceive the social aspects supposed to be provided by Robo-advisors. The overarching problems are, among others, a lack of transparency and incomprehensible information. This results in distrust of the results generated by this system, which negatively affects customers’ adoption of the investment advice provided by the Robo-advisor. The potential of interactive data visualization is also detected. This work contributes to the understanding of customers regarding their perception and adoption based on their use of a functional Robo-advisor and proposes design takeaways for transparent and comprehensible automated advisory systems in financial service contexts.
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| 27. |
- Zhu, Hui
(författare)
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Understanding Customers in AI-empowered Financial Advisory Systems and Services : An interdisciplinary study of Robo-advisors
- 2023
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Licentiatavhandling (övrigt vetenskapligt/konstnärligt)abstract
- AI-empowered financial advisory services, also known as robo-advisors, present both innovations and challenges as they replace human financial advisors, reshape customer service, and attract customers with different characteristics than their predecessors. Therefore, it is more important than ever for financial service providers to understand customers’ perception and experience of using robo-advisors on the service front line. However, our systematic literature review indicates that research on robo-advisors is scattered across different disciplines with a narrow focus on sharing knowledge across fields. Moreover, empirical studies on robo-advisors have primarily focused on customer acceptance and intentional behaviors, often based on data collected through surveys. Also, these studies have paid less attention to the role of robo-advisor design and the context in which customers interact with fully functional robo-advisors in real-life situations. To address these gaps, this thesis aims to synthesize interdisciplinary knowledge and identify gaps in the research on robo-advisors. It also aims to explore customers’ experience of using and interacting with robo-advisors and how the experience affects their perception and adoption of the service. By conducting a systematic literature review and a qualitative user study, this thesis finds that customers’ perceptions of robo-advisors often do not meet their expectations. Nontransparency and incomprehensible information about the system’s decision-making are significant barriers to customers’ adoption of robo-advisors. This thesis contributes to a deeper understanding of customers in AI-empowered financial advisory services by using theories and approaches across different disciplines. It also provides practical implications for practitioners in the robo-advisory service industry.
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