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- Brüggen, Elisabeth C, et al.
(författare)
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Financial well-being : A conceptualization and research agenda
- 2017
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Ingår i: Journal of Business Research. - : Elsevier. - 0148-2963 .- 1873-7978. ; 79, s. 228-237
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Tidskriftsartikel (refereegranskat)abstract
- With savings rates at record lows and inadequate long-term financial planning for retirement, financial well- being has become an important topic for individuals and households as well as for societies and countries. Re- search on the topic, however, remains scarce and scattered across disciplines. The present paper aims to consol- idate and extend knowledge on financial well-being and makes a three-fold contribution to the discussion. First, we propose a new definition based on a perceptual perspective of financial well-being and link it to an individual's current and anticipated desired living standard and financial freedom. We then develop a framework that distinguishes key elements of financial well-being; namely, interventions and financial behaviors, conse- quences, contextual factors, and personal factors. We then present a research agenda to guide future research on financial well-being. This work is designed to inspire researchers to continue expanding the knowledge so that financial institutions can take measures to increase financial well-being.
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| 2. |
- Glaa, Besma, et al.
(författare)
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From free to fee : changing the revenue model for individual services
- 2017
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Ingår i: Proceeding of the Spring Servitization Conference. - Birmingham, UK : Aston university. - 9781854494184 ; , s. 172-181
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Konferensbidrag (refereegranskat)abstract
- Purpose: Industrial services have traditionally been provided for free to support product sales. Nowadays, many manufacturers have built a profitable service business while others are struggling to improve their service profitability. Overall, most research focus on service infusion in the value proposition or servitization of the organization. Far less attention has been given to how firms start to charge for free services. The purpose of this research is to increase understanding of how manufacturers change the revenue model for individual services from free to fee. Design/Methodology/Approach: The research was performed as a two-stage research project involving a multiple case study followed by an action research project. First, a multiple case study was performed in eight firms. Data was collected through interviews and workshops with the participating firms. Second, an action research study was performed with a manufacturer working with changing the revenue model for individual services from free to fee. Findings: The current study identified a process with three stages for shifting from service for free to service for fee. The first step is turning the service from a cost center to a profit center. The second step is to create service scenarios for a service business. The third step is to implement specific strategies to break free from free service. The present research identified three specific service scenarios and four strategies to break free from free service. Originality/Value: The change of business model has been an essential step in most models for service infusion and for the transition from service for free to service for fee. The present study expands on the process on a detailed level followed by manufacturers to turn individual services from free to service for fee.
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| 3. |
- Lundmark, Martin, 1963-, et al.
(författare)
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Technology Forecast 2018 : Military Utility of Future Technologies
- 2018
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Rapport (övrigt vetenskapligt/konstnärligt)abstract
- SummaryFour technology forecast reports from the Fraunhofer Institute and two reports from the Swedish Defence Research Agency (FOI) have been reviewed by staff at the Military Technology Division at the Swedish Defence University (SEDU). The task given by the Defence Materiel Administration (FMV) was to assess the military utility of the given technologies in a timeframe up to the year 2040, from a Swedish Armed Forces (SwAF) perspective.In the review, we assess the military utility of certain technologies as possible contributions to the operational capabilities of the SwAF, based on identified and relevant scenarios.The technologies are grouped into four classes of military utility: potentially significant, moderate, negligible or uncertain.The following technologies were assessed to have the potential for significant military utility:Rapid field identification of harmful microorganismsHypersonic propulsion The following technologies were assessed to have a potential for moderate military utility:Non-line-of-sight imagingArtificial intelligence for military decision support The following technologies were assessed to have uncertain military utility:Structural energy storageTriboelectric nanogenerators No technology was found to have negligible military utility.The method used in this technology forecast report was to assign each report to one reviewer in the working group. Firstly, each forecast report was summarized. A new methodological step this year was for each reviewer to discuss the assigned technologies with researchers from FOI. This proved to be a valuable enhancement for understanding the technologies’ present state and likely future development.The chosen definition of military utility clearly affects the result of the study. The definition used here, ‘the military utility of a certain technology is its contribution to the operational capabilities of the SwAF, within identified relevant scenarios’ has been used in our Technology Forecasts since 2013.Our evaluation of the method used shows that there is a risk that assessments can be biased by the participating experts’ presumptions and experience from their own field of research. It should also be stressed that the six technologies’ potential military utility was assessed within the specific presented scenarios and their possible contribution to operational capabilities within those specific scenarios, not in general. When additional results have been found in the analysis, this is mentioned.The greatest value of the method used is its simplicity, cost effectiveness and that it promotes learning within the working group. The composition of the working group and the methodology used are believed to provide a broad and balanced coverage of the technologies being studied. This report should be seen as an executive summary of the research reports and the intention is to help the SwAF Headquarters to evaluate the military utility of emerging technologies within identified relevant scenarios.Overall, the research reports are considered to be balanced and of high quality in terms of their level of critical analysis regarding technology development. These reports are in line with our task to evaluate the military utility of the emerging technologies.
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