A well-crafted, locally adapted customer value proposition (CVP) can aid businesses in attaining loyal customers. The main purpose of this research is to determine the key value components that should be considered for the development of a CVP, for free-floating car sharing services in the Nordic region. This is done by establishing the relationship between deductively identified value components, perceived value, satisfaction, trust, and loyalty.  A research framework is proposed, where the relationships between the different constructs are hypothesised. Quantitative data is collected from existing car sharing users in the Nordic countries, through a self-administered online questionnaire, distributed through a non-probability sampling method. The empirical data is analysed through multiple regression analysis using the software SPSS, and the extension “PROCESS”, as well as additional analysis techniques to ensure data quality. The research findings indicate that perceived convenience, need fit, and a low service price positively impact both perceived value, as well as satisfaction. Satisfaction shows a stronger, positive effect on loyalty than that of perceived value, yet, loyalty is better explained when both constructs are accounted for. Additionally, trust shows to carry a mediating effect between both satisfaction and loyalty, as well as between perceived value and loyalty. Therefore, firms operating within this context should emphasise the customer needs to provide a service which is perceived as affordable and convenient. Finally, efforts should be taken to reduce uncertainty, and promote trust between the service providers, and their users.

The development and complexity of the e-commerce sector has increased the demand forcompanies to grasp and develop their business models, as well their credit risk managementfunctions, in order be profitable and create value. This thesis examines how credit riskmanagement can be integrated in a business model, in terms of a customer value proposition,profit formula, key processes and key resources. Theories about business models state that abusiness model should give a holistic view of the company and how it operates. Features for asuccessful model should include functions that create value and increase competitiveness, as wellas generating valuable cost and risk structures to ensure the company’s profitability. The empiricaldata was collected through interviews and secondary data at Klarna, a company that operates withpayment solutions in the e-commerce, a market where the risk of credit losses is high and to haveproper credit risk functions is a necessity. The result revealed that credit risk management is afundamental part of a business model in the e-commerce, since effective credit risk managementfunctions ensure that the elements of a business model are functional and complement each other.The study further found that there are certain prominent functions in each one of the four elementsthat enable the integration of credit risk management in the business model.