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Credit risk is one of the greatest risks facing financial institutions, and it is therefore very important that models with good predictive power are used in order to etter capture this risk. This thesis proposes logistic regression models for modelling risk-drivers of the probability of default in a financial institution active in he Nordics. The thesis focuses on handling and analysing large amo

Big data-analyser är ett kraftfullt verktyg för många organisationer idag. Genom att analysera stora mängder data kan organisationer se mönster, trender, dra slutsatser och förutspå saker som ännu inte skett. Men även om fördelarna med teknologin är många så kan Big data-analyser kränka den personliga integriteten på många sätt. I samband med införandet av den nya Dataskyddsförordningen och de öka

Technology advancement in autonomous driving is accelerating. For the technology to be safe it is crucial for the vehicles to have an updated map, meaning all vehicles should have a correct and identical representation of the current road network. This makes change detection in the maps of great importance, in order to continuously understand and recognize the features that need to be updated. Th

The amount of wind turbines in Sweden has more than doubled in the last five years. Wind turbines can affect birds directly, by causing fatalities and indirectly, through habitat destruction, disturbance and barrier effects resulting from turbine construction and operation. To increase understanding of how this rapidly expanding form of energy harvesting affects avian communities in Sweden large,

The aim with this thesis is to broaden the understanding of women’s experiences with separatism in the Swedish Facebook group “Växtgäris”. There are few studies written about the importance of separatism for women, and even less about separatism within social networks. I have therefore interviewed four members from Växtgäris who all claim the need of having a place free from men. Of respect, this

Denna uppsats syftar till att undersöka hur organisationer anpassar sitt arbete med kompetensförsörjning till dagens flexibla arbetsmarknad och arbetsliv. Studien utgår från två frågeställningar där den första frågeställningen handlar om hur HR-praktikerna i de valda organisationerna beskriver begreppen flexibilitet och kompetensförsörjning. Den andra frågeställningen handlar om hur de valda organ

Individual inventors have played an important role in shaping modern economic growth with their inventions. However, the upsurge in corporate and institutionalised research and development (R&D) has overshadowed the individual inventor in both academia and policy research. In Sweden, the individual inventor continues to provide socially and environmentally beneficial innovations that solve pro

Forskning visar nu entydigt att den globala genomsnittstemperaturen stiger och att antropogena växthusgasutsläpp i stor utsträckning är orsaken till detta. Medan klimatförändringen är en global angelägenhet, är det också en fråga om stor orättvisa. De utvecklade länderna har generellt sett bidragit mest till klimatförändringarna, men effekterna kommer att bli värre för dem som har bidragit minst. Scientific findings now unequivocally show that the global average temperature is rising and that anthropogenic greenhouse gas emissions are largely responsible for this. While climate change is a global concern, it is also a concern of great injustice. Developed countries have generally contributed most to the climate changes, but the impacts will strike harder on those who have contributed least

Breast cancer is the most common type of cancer among the female population in Sweden. Genomic mutations of patients are a very important source of information for treatment choice and outcome prediction. RNA-sequencing (RNA-seq) has become the de facto standard for expression profiling and can also be used for the detection of genomic variants. However, RNA-seq-based variant detection suffers fro

In recent years, the awareness and concern for operational risk in financial institutions have increased, and several disastrous events in the last two decades been caused by human error. With this, the regulatory demands have increased on the financial institutions to control operational risk. One operational risk that Svenska Handelsbanken AB (SHB) has detected are the audit changes of trades wh

This thesis project named AI (Artificial Intelligence) begun from a curiosity about the history of mankind and the potential future which awaits us within the ever expanding realm of technology. The project is based the latest published work from Max Tegmark, Life 3.0 (2017), Yuval Noah Harari’s Sapiens A Brief History of Humankind (2011) and part two Homo Deus A Brief History of Tomorrow (2015).

I denna uppsats studerar jag om hur unga kvinnliga entreprenörer konstruerar entreprenörskap. Jag undersöker hur genus formar unga kvinnors erfarenheter inom entreprenörskap och hur så kallade inkubatorer bidrar till genuskonstruktionen av entreprenörskap. Studien är baserad på etnografiska data i form av intervjuer och observationer. Med hjälp av begreppen “genusperformativitet” och “hegemonisk mIn this thesis, I study how young women entrepreneurs construct entrepreneurship. Specifically, I look at how gender structures entrepreneurial practice for young women and how incubators contribute to the gendered construction of entrepreneurship. The study is based on ethnographic data in the form of interviews and observations. I draw on the theoretical concepts of “gender performativity” and “

Abstract The amortization requirement stipulates that all new mortgages will be amortized in the interval between 50-70 per cent of the residence value; an additional, stricter, amortization applies if the mortgage exceeds 450 per cent of the individual´s gross annual income. The stricter amortization requirement is brand new, implemented the 1st of March 2018. This action was introduced when t

Non-communicable, or chronic, diseases (NCDs) are the major contributors to the mortality worldwide. In Ukraine, where the primary causes of deaths are chronic cardiovascular diseases, a healthcare domain suffers from insufficient financial provision, facilities and resources, and the lack of attention to social aspects of poor health conditions. The aim of this research is to explore social conse

This thesis aimed to develop a deeper understanding for the interplay between cultural integration and employees’ organisational identification in a cross-border post-acquired firm and how the employees account for their organisational identification five years after an acquisition. A qualitative research method based on a hermeneutics epistemology and a constructionist ontological perspective wa

Att E-handeln ökat stort de senaste åren har inte gått ouppmärksammat och dess inslag har märkts både privat och inom näringslivet. Den fysiska handeln har ändrats handel via internet vilket är en utveckling från byteshandel som var en av de tidigaste handelsformerna. Sedan internet, och E-handelns, lansering i början av 1990-talet har utvecklingen gått snabbt och de senaste tjugo åren har omsättnThe fact that e-commerce has increased significantly in recent years has not gone unnoticed, and its features have been marked in both private life as well as in business. The physical commerce has changed to an increased shopping through the internet, which is a development of the trade of goods that was one of the earliest commercial forms. Since the internet, and thereby the E-commerce, was lau

Sammanfattning Handeln har traditionell sett haft sitt fäste i stadskärnorna men har sedan 1990-talet haft en svag utveckling i jämförelse med externhandeln och e-handeln. Externhandeln är förvisso pressad av konkurrensen från andra handelsplatser men är fortfarande en tuff konkurrent till cityhandeln. Trots detta har externhandeln expanderat de senaste åren och numera finns det köpcentrum och hanTraditionally, city commerce has always had a strong foothold in Swedish cities. However, in recent years the city commerce has experienced a weaker growth in comparison with external shopping and e-commerce. While the external shopping sector is experiencing competition from its own sector and e-commerce and struggles with an over-supply of malls it’s still a tough competitor to city commerce. De

The Asian tigers have been a tremendous case of economic success for decades. The economic financial crisis of 1997 put this to a test and they clearly passed it. This dissertation tries to unveil whether the same factors that led to the growth path in the 1960s, the so-called East Asian Miracle, are still responsible for overcoming the crisis. By means of factor analysis and a set of multivariate

Syftet med denna uppsats har varit att dels prova en ny observatörsskala, kallad TRICS, Therapist Relational and Interactional Competence Scale, för att mäta terapeuters förhållningssätt och beteende under en given terapisession och undersöka dess psykometriska egenskaper och dels undersöka bedömares subjektiva upplevelser av att använda skalan. Den psykometriska analysen baserades på tjugo videoi