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Popular Abstract in Swedish I avhandlingen behandlas de rättsregler som kan tillämpas när banker erbjuder kunder att kommunicera via Internet och lämna betalningsinstruktioner avseende kredittransfereringar på detta sätt. Den här typen av banktjänster benämns i avhandlingen Internet Banking. Betalningar och betalningsinstruktioner är inget nytt fenomen men i avhandlingen behandlas de utifrån ett eThis thesis deals with legal issues arisen from consumer-activated payment orders, regarding credit transfers, which are initiated via the Internet under an agreement (about using Internet-services) previously entered into between the bank and the payer (or the originator). This Internet-service is in the thesis called Internet banking. More and more customers, both consumers and others, activate

Water harvesting and artificial recharge has been a traditional solution to water scarcity problems in the arid and semiarid Middle East for thousands of years. These techniques are increasingly being encouraged and at present there has been a renewed interest to find improved methods for water harvesting in many arid countries. The objective of the present study was to evaluate the performance an

Background and purpose - Osteoarthritis (OA) imposes a substantial burden on individuals and societies. We report on the burden of knee and hip OA in the Nordic region. Patients and methods - We used the findings from the 2015 Global Burden of Diseases Study to explore prevalence, years lived with disability (YLDs), and disability-adjusted life-years (DALYs) of OA in the 6 Nordic countries during

Material and energy costs represent about 50% of the operating costs incurred by European small and medium-sized enterprises (SMEs). Although the potential for resource efficiency improvements is high, the necessary awareness and human resource capacities to explore this potential are limited. Existing tools for exploration of resource efficiency improvement potentials have several shortcomings: t

Background: Survivors of childhood cancer are at increased risk for a wide range of late effects. However, no large population-based studies have included the whole range of somatic diagnoses including subgroup diagnoses and all main types of childhood cancers. Therefore, we aimed to provide the most detailed overview of the long-term risk of hospitalisation in survivors of childhood cancer. Metho

The lipid-protein film covering the interface of the lung alveolar in mammals is vital for proper lung function and its deficiency is related to a range of diseases. Here we present a molecular-level characterization of a clinical-grade porcine lung surfactant extract using a multitechnique approach consisting of 1H-13C solid-state nuclear magnetic spectroscopy, small-And wide-Angle X-ray scatteri

Background: There is a lack of theoretical framework supporting stem cell transplant nurses in their assessment, judgment and caring interventions of sibling stem cell donors. Objective: The purpose of this study was to explore sibling stem cell donors’ main concerns and how they deal with them before and after donation. Method: Ten healthy sibling donors, 5 men and 5 women, with a median age of 5

There is a battle in the supermarket isle, a battle between what the consumer wants and what the retailer and others want her to see, and subsequently to buy. Product packages and displays contain a number of features and attributes tailored to catch consumers' attention. These are what we call external factors comprising the visual saliency, the number of facings, and the placement of each produc

Despite numerous recent studies of Italic textiles and textile production etc., no systematic study has so far been attempted regarding the textile terminology of Italic languages besides Latin. The present study seeks to remedy this, making a first step into the textile terminology of Sabellic languages, predominantly Oscan and Umbrian. There are two types of sources for Sabellic textile terminol

World electricity consumption is drastically increasing. One of the most common ways of producing electricity is to use the chemical energy of fossil fuels. This can be done in thermal power plants in which the chemical energy of fossil fuels such as natural gas is converted to mechanical energy and finally to electricity. Extracting the chemical energy of fuels is done through combustion of the f

BACKGROUND: As many as 88% of heart transplant recipients (HTRs) suffer from psychological distress. Both psychosocial factors and physical health are associated with increased psychological distress. However, the causes and impacts of psychological distress are unclear. HTRs strive for a sense of control over their health and daily lives in order to improve their psychological well-being. Perceiv

Objective There is uncertainty about the direction and magnitude of the associations between parity, breastfeeding and the risk of coronary heart disease (CHD). We examined the separate and combined associations of parity and breastfeeding practices with the incidence of CHD later in life among women in a large, pan-European cohort study. Methods Data were used from European Prospective Investigat

Sense of Coherence (SOC) measures an individual's positive, or salutogenic, orientation toward her/his capacities, environment, future, and life. SOC comprises three factors: comprehensibility (the sense of one's own life as ordered and understandable); manageability (the perception of available resources and skills to manage stressors); and meaningfulness (the overall sense that life is filled wi

Purpose: A well-functioning curbside system must consider several properties, such as the location of collection points, from a logistical standpoint to ensure efficient hauling and transportation. The collection point itself should also promote a good working Environment for the collection personnel. However, many older urban areas were not designed with modern logistical and environmental aspect

The fast-increasing demand and relatively slow growth of infrastructure capacity are providing a strong motivation for research in real-time urban traffic controls that make the best use of novel sensing in order to increase efficiency and resilience of the transportation system. In our contribution, we focus on a class of dynamic feedback traffic signal control policies that are based on a genera

Choosing to continue working after retirement eligibility can attract both negative and positive sentiments from the general public. Studies examining the motivations of older workers have so far been conducted in times of relative social and economic stability. However, little is known about what it means for older workers to work during a lockdown or pandemic situation. The present longitudinal

The metal-poor stars in the bulge are important relics of the Milky Way's formation history, as simulations predict that they are some of the oldest stars in the Galaxy. In order to determine if they are truly ancient stars, we must understand their origins. Currently, it is unclear if the metal-poor stars in the bulge ([Fe/H] < -1 dex) are merely halo interlopers, a unique accreted population, pa

Estimating age distributions, or star formation histories, of stellar populations in the Milky Way is important in order to study the evolution of trends in elemental abundances and kinematics. We build on previous work to develop an algorithm for estimating the age-metallicity distribution which uses the full age-metallicity probability density functions (PDFs) of individual stars. No assumptions