Södertörns högskolas Publications
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Påverkan av kundförtroende på svenska konsumenters användning av digitala finanstjänster : En kvantitativ studie
No full textThe study examines how consumer trust influences the use of digital financial services and the challenges consumers face. It confirms that customer trust and ease of use are central to increased use, but security, control over personal information and customer confidence remain key challenges. The study delves into the factors that encourage or discourage consumers from adopting these technologies. The research combined quantitative methods via a survey distributed across various online and offline channels and was analysed using descriptive statistics, correlation and cross-tabulation. The theories used were the Unified Theory of Acceptance and Use of Technology (UTAUT) and Behavioral Finance. Statistical analysis showed a remarkable correlation between individuals’ self-perceived digital skills and the ease with which they can navigate digital financial tools. However, it also highlighted a common thread, namely that many consumers have mixed feelings about the reliability and their ability to control personal data when using these services. The study also found that although digital financial services are perceived as easier than traditional banking, many still feel insecure. The main findings highlighted that trust and ease of use act as primary catalysts for the adoption of digital financial services. However, security concerns, a sense of limited control and social influence emerge as important considerations, which differ across demographic groups such as age and gender. The study suggests that financial service providers should prioritize building trust, streamlining user experiences and tailoring their offerings to meet diverse user needs and address prevailing concerns. It also recommends further research on effective trust-building strategies and the role of social dynamics in the uptake of digital financial services. In essence, the paper sheds light on the complex behaviors shaping the digital financial world and offers actionable recommendations for companies to cultivate trust, improve user experience and promote broader integration of digital financial solutions
Till svävandet : Novalis realistiska idealism
No full textThis thesis investigates the philosophical foundations of Novalis’ realistic idealism, as developed primarily in Fichte-Studien, Das Allgemeine Brouillon and Fragmente und Studien 1700–1800. It reconstructs how Novalis formulates an anti–dogmatic epistemology of the seemingly antithetical fusion of idealism and realism, grounded in his understanding of faith. Novalis’ philosophical development is primarily traced within the early post–Kantian context. The trajectory of his historic-philosophical method runs through Spinoza’s concept of nature, Fichte’s theory of the I, Kant’s critique of dogmatism and Jacobi’s concept of faith.For Novalis, faith is not the endpoint of reason, but its origin and condition. Knowledge — whether of self, world or God — is never immediate, but represented through images and signs. Drawing on this epistemic structure, Novalis presents a vision of philosophy as a dialectical process suspended between certainty and uncertainty, being and non-being — Schweben
FGAE:s arbete för att uppnå målen för familjeplanering i Addis Abeba, Etiopien : En kvalitativ studie om organisationens arbete och kvinnornas syn på preventivmedel och familjeplanering
No full textThe Family Guidance Association of Ethiopia (FGAE) is an active non-governmental organization in Ethiopia. The Family Guidance Association of Ethiopia, hereafter referred to as FGAE, works to promote family planning and to create a safe environment for openness around family planning, contraceptives, and accessibility. However, there are still some challenges that remain. Reproductive health in Ethiopia is influenced by a range of factors such as healthcare, education, and cultural and traditional values. To improve the situation, a holistic approach is needed—one that includes education, healthcare, and a change in social norms. Working for family planning in Africa, but also in Ethiopia, is very important, because one can see women's desire for independence, education, work, economic security and well-being. The study shows that family planning is about more than providing contraception - it is about creating awareness and knowledge about family planning among both women and men. By educating and informing, FGAE works to strengthen women's right to make decisions about their reproductive health. The study was conducted using qualitative interview methods; two groups were interviewed. One group consisted of women who are involved with FGAE, and the other group consisted of employees working within FGAE. Most of the women interviewed married young and had low education and limited knowledge about family planning and contraception. FGAE works to raise awareness about these topics, despite challenges such as low education among the population and lack of resources. Many women often receive information about family planning and contraception through conversations with those around them. Even though the subject is sensitive and taboo in the country, FGAE has been successful in spreading knowledge, although there are still challenges in reaching the entire country. All of the women interviewed were positive about family planning and contraception.
In the Cracks between Narration and Experience : Narrative Dissonance in Literary Journalism
No full textIn fiction, narrative dissonance highlights a narrator’s retrospective perspective at the expense of a character’s perspective. In literary journalism/reportage, narrative dissonance presents a method for questioning any absolute truth in a specific context. As a narrative technique, it expresses a structural tension between the narrator and the main character, but it can also be created indirectly, through shifts in the narrator’s voice or a split within an experiencing character. The latter is possible with a double persona, belonging to a reporter who is working undercover. In literary journalism/reportage, there is additionally an approach that can be characterized by prospectivity, called alternative dissonance, for which there is no general counterpart in fiction. Consequently, it is possible to find not only a narrating reporter who questions her earlier experiences, but also to find an experiencing reporter who questions her forthcoming ability to tell a story. Using tools from narratology, this essay identifies and describes narrative constructions behind different kinds of dissonance in literary journalism and illustrates them with analysis examples selected from different traditions, times and countries. The analyses also demonstrate how these intricate narrative techniques fulfill different functions in different contexts but always enable a nuanced and complex picture of the depicted reality. Finally, crucial differences between dissonance in literary journalism andfiction are emphasized
Destinationsstereotyper Och Mediepåverkan : En Studie Om Hur Sociala Medier Genom Destinationsstereotyper Påverkar Besökarnas Uppfattningar Av Resmål
No full textForskningen om destinationsstereotyper har hittills varit relativt begränsad, trots att ämnet är högst relevant i en globaliserad värld där interkulturellt utbyte är centralt. För att undersöka hur besökares uppfattningar om olika destinationer formas har vi tillämpat en blandad metodansats och samlat material från olika medieplattformar. Det har vi gjort genom att analysera både kommersiella och personliga medieformat för att förstå hur mediala narrativ bidrar till skapandet och reproduktionen av stereotyper som påverkar turisters attityder och val. Resultatet visar att medieplatformar som TikTok påverkar uppfattningar om resmål genom att förstärka eller skapa stereotyper, särskilt då innehållet upplevs som mer trovärdigt än traditionell reklam. När informationen är lättillgänglig, personlig och delas mellan användare sprids stereotyper snabbare, vilket i sin tur påverkar resebeslut.Research on destination stereotypes in tourism remains relatively limited, despite the topic’s high relevance in a globalized world where intercultural exchange is central. To examine how visitors’ perceptions of different destinations are formed, we applied a mixed-methods approach and collected material from various media platforms. This was done by analyzing both commercial and personal media formats to understand how media narratives contribute to the creation and reproduction of stereotypes that influence tourists’ attitudes and destination choices. The results show that media platforms such as TikTok shape perceptions of destinations by reinforcing or creating stereotypes, particularly because the content is perceived as more credible than traditional advertising. When information is accessible, personal, and shared among users, stereotypes spread more rapidly, which in turn influences travel decisions
När världen skakar : Komparativ studie av aktieindex S&P 500, OMXS30 och OMXSPI
No full textBakgrund: Globala kriser kan orsaka kraftig volatilitet på finansmarknader genom att skapa osäkerhet och förändra investerares riskbeteenden. Tidigare forskning visar att olika kriser, beroende på deras typ, påverkar marknader och branscher på olika sätt. Trots detta är forskningen om hur globala händelser påverkar just den aktiemarknaden nedbruten i olika branscher fortfarande begränsad. Detta understryker behovet av vidare studier inom området. Syfte: Syftet med denna studie är att beskriva och analysera konsekvenserna av de tre olika globala kriserna när det gäller volatiliteten på aktiemarknaderna. Metod: Studien använder en kvantitativ och deduktiv ansats med eventfönster analys på 40 handelsdagar kring krisernas startdatum. Volatilitet mäts genom standardavvikelsen av logaritmisk avkastning. Data har samlats in från Investing.com. Teori: Teorin utgått från en huvudteori, vilket är Behavioral Finance som styrker mer irrationella beteende, därefter finns det en kompletterande teori Efficient Market Hypothesis (EMH) som styrker rationella beteenden. Slutsatser: Studien visar att volatiliteten ökade mest under Covid-19-pandemin. Resultaten visar att krisens typ, snarare än branschtillhörighet, hade störst betydelse för om förändringarna i volatilitet var statistiskt signifikanta. Studien visar att EMH och beteendefinansiella teorier kompletterar varandra genom att förklara marknadsreaktioner under olika typer av kriser.Background: Global crises can cause significant volatility in financial markets by creating uncertainty and changing investors' risk behaviors. Previous research shows that different crises, depending on their type, affect markets and industries in different ways. Despite this, research on how global events affect the specific stock market broken down into different industries is still limited. This underscores the need for further studies in this area. Purpose: The purpose of this study is to describe and analyze the consequences of the three different global crises in terms of stock market volatility. Method: The study uses a quantitative and deductive approach with event window analysis of 40 trading days around the start dates of the crises. Volatility is measured by the standard deviation of logarithmic returns. Data is collected from Investing.com. Theory: The theory is based on a main theory, which is Behavioral Finance, which supports more irrational behavior, then there is a complementary theory, the Efficient Market Hypothesis (EMH), which supports rational behavior. Conclusion: The study shows that volatility increased the most during the Covid-19 pandemic. The results show that the type of crisis, rather than industry affiliation, had the greatest impact on whether changes in volatility were statistically significant. The study shows that EMH and behavioral finance theories complement each other by explaining market reactions during different types of crises
Inclusive Didaktic Dimensions : A Phenomenological Study of Teachers' Teaching from the Perspective of Upper Secondary School Students
No full textStudiens syfte är att ur gymnasieelevers perspektiv och på fenomenologisk grund beskriva, analysera och bidra med förståelse för inkluderande undervisning och hur den didaktiskt kan förstås och möjliggöras. Studien har vägletts av tre frågor: (1) Hur konstitueras inkluderande undervisning utifrån elevers perspektiv? (2) Hur visar sig inkluderande undervisning i lärares arbete, enligt elever? (3) Vad bidrar inkluderande undervisning till, ur elevernas synvinkel? Elevernas perspektiv betraktas både som en del av studiens inkluderande strävan och som kritiska röster med potential att utmana etablerade förståelser och praktiker. Studien utgår från en bred förståelse av inkludering, oberoende av exkluderingsorsak, och vilar på en fenomenologisk grundsyn där världen är levd och tar form i och genom människans upplevelser och handlingar. Detta innebär epistemologiskt att kunskap om världen endast kan nås genom den mänskliga erfarenheten. I linje med en kontinental bildningstradition uppfattas inkludering i studien som en i grunden didaktisk strävan, som förverkligas i vad som här benämns som bred undervisning. Det empiriska materialet har producerats i sex svenska gymnasieskolor och utgörs av elevernas reflektioner kring aktuella och tidigare skolerfarenheter. Materialet består av digitala fritextenkäter (cirka 600 elever), intervjuer (individuella och i grupp, 21 elever) samt kreativa workshops (t.ex. tecknande, collage, rollspel) i två klasser. Analysen har genomförts genom sju fenomenologiska steg i syfte att upprätthålla en öppen, fenomenologisk attityd. Resultaten visar att elevernas erfarenheter av inkluderande undervisning utgör en process sammanvävd av tre aspekter: en subjektiv upplevelse av trygghet och bekvämlighet, en intersubjektiv gemenskap präglad av rättvisa och tillåtande atmosfär, samt en lärandeprocess som väcker motivation, nyfikenhet och vilja till utveckling. Dessa erfarenheter möjliggörs genom tre didaktiska dimensioner: didaktisk persona (lärarens autenticitet och förhållningssätt), didaktisk allians (undervisningsrelationen mellan lärare och elever) samt didaktisk aktion (konkreta undervisningshandlingar). Tillsammans bildar dessa vad som benämns Sammanvävd inkluderande undervisning (SIU). Studiens resultat visar att inkluderande undervisning kan förstås som en riktad men öppen bildningsprocess. Denna möjliggör ett kontinuerligt didaktiskt rummande, kännetecknat av en återhållsam undervisning som ger alla eleverna möjlighet att lära och utvecklas. Resultaten bidrar med teoretiska begrepp och praktiska modeller som kan bidra till en förståelse för och en utveckling av inkluderande undervisning i forskning, lärarutbildning och undervisningspraktik.This thesis explores how inclusive education is experienced, understood, and made possible through teaching, from the perspective of upper secondary school students. The study is grounded in phenomenology and aims to contribute to an understanding of how inclusive education through Didaktik can be understood and enacted. The research is guided by three questions: (1) How is inclusive education constituted from the students’ perspective? (2) How does inclusive education manifest in teachers’ work, according to students? (3) What does inclusive education contribute to, from the students’ point of view? Students’ perspectives are seen both as a striving for inclusion within the study itself and as critical voices capable of challenging established understandings and practices. The study is based on a broad understanding of inclusion, regardless of the reason for exclusion, and rests on a phenomenological view of the world as lived and made meaningful through human experience, life, and action. Epistemologically, this implies that knowledge of the world can only be accessed through human experience. In line with a continental tradition of Bildung, inclusion is understood as a fundamentally didaktic endeavor, realized through what is referred to as broad teaching. The empirical material was produced in six Swedish upper secondary schools and consists of students’ reflections on both current and previous school experiences. The material includes digital open-ended surveys (approx. 600 students), interviews (individual and group, 21 students), and creative workshops (e.g., drawing, roleplaying) with two classes. The analysis followed seven phenomenological steps, aiming to maintain an open, phenomenological attitude. The findings show that students’ experiences of inclusive teaching comprise three interwoven aspects: a subjective sense of safety and comfort; an intersubjective community characterized by equity and openness; and a learning process that stimulates motivation and the desire to develop. Inclusive teaching is made possible through three didaktic dimensions: didaktic persona (the teacher’s authenticity and stance), didaktic alliance (the teacher–student relationship), and didaktic action (concrete pedagogical practices). They together form what is termed Interwoven Inclusive Teaching (IIT). The thesis concludes that inclusive education emerges when teachers didaktically create a spatiality that enable students to learn and grow beyond societal limitations. The results offer both theoretical concepts and practical tools for understanding and developing inclusive teaching in research and in teaching practice
Positivhatarna: den svenska medelklassens försök att sanera det urbana ljudrummet vid 1800-talets mitt
No full textRedovisning och artificiell intelligens : Implementeringen av AI i små och medelstora redovisningsföretag
No full textBakgrund: AI är inom företagande ett framgångsrikt verktyg, särskilt i redovisningsföretag där AI är i framkant. AI-implementeringen medför både möjligheter och risker vilket är viktigt för företag att förhålla sig till. Små och medelstora företag (SMF) är viktiga för samhället och trots begränsade resurser spelar AI-implementeringen en viktig roll för dessa företag. AI effektiviserar arbetsprocesser och resulterar i många fördelar, vilket för små och medelstora redovisningsföretag är avgörande. Syfte: Syftet med denna studie är att undersöka den artificiella intelligensens (AI) spridning, roll och påverkan på små och medelstora redovisningsföretag. Uppsatsens bidrag baseras på att analysera AI-implementeringen och dess påverkan på redovisningsprocesser. Teoretiska bakgrunden: I den teoretiska bakgrunden framkommer fyra centrala teman baserat på forskningsfältets återkommande nyckelbegrepp. Utifrån dessa teman har relevanta teorier tillämpats utifrån olika perspektiv på AI. Metod: Studien har tillämpat en kvalitativ forskningsmetod med en deduktiv ansats. Genom valet av en fallstudiedesign har studien analyserat AI-implementeringen i utvalda små och medelstora redovisningsföretag. Studien har genomfört åtta semistrukturerade intervjuer med respondenter och kompletterat data med offentliga rapporter. Resultat och analys: Den empiriska datan från de semistrukturerade intervjuerna och de offentliga rapporterna har tillsammans analyserats utifrån teorin och visat på samband. Slutsatser: Studiens slutsatser fastställer att AI-implementeringen till stor del bidrar till positiva förändringar i små och medelstora redovisningsföretag i Sverige, trots att begränsningar förekommer. Studien visar att AI implementeras i viss utsträckning i redovisningsprocesserna, däremot överlåts en del fortfarande till den mänskliga expertisen.Background: AI is a successful tool in business, especially in the accounting firms where AI is at the forefront. AI-implementation brings both opportunities and risks, which is important for companies to consider. SMEs are important to the society and despite limited resources, AI-implementation plays an important role for these companies. AI is efficient for work processes and results in many benefits, which is crucial for SMEs. Purpose: The purpose of this study is to investigate the diffusion, role and impact of artificial intelligence (AI) on small and medium-sized accounting firms. The contribution of the study is based on analyzing AI implementation and its impact on accounting processes. Theoretical background: Four central themes emerge in the theoretical background based on the recurring keywords of the research field. Based on these themes, relevant theories have been applied from different perspectives of AI. Method: The study has applied a qualitative research method with a deductive approach. By choosing a case study design, the study has analyzed the AI implementation in selected small and medium-sized accounting firms. The study has conducted eight semi-structured interviews with respondents and supplemented the data with public reports. Results and analysis: The empirical data from the semi-structured interviews and public reports have been analyzed together with the theories and have demonstrated a correlation. Conclusions: The study concludes that AI implementation largely contributes to positive changes in small and medium-sized accounting firms in Sweden, despite limitations. The study concludes that AI is implemented to a certain extent in the accounting processes, but some processes are still left to human expertise.
