L'assurance-crédit est un système d'assurance qui contre rémunération permet à des créanciers d'être couverts contre le non paiement de créances dues par des personnes préalablement identifiées et en état de défaillance de paiement. Si la mutualisation du risque existe bien dans les opérations d'assurance-crédit, les critères juridiques du contrat d'assurance ne se retrouvent pas de façon évidente lorsque le débiteur assure sa défaillance à l'échéance ou que l'assureur se réserve un recours contre l'assuré. L'enjeu de la qualification est largement amoindri par la pratique contractuelle qui régit l'assurance-crédit. Les opérations d'assurance-crédit ne sont pas soumises aux textes qui gouvernent le contrat d'assurance. En revanche, les entreprises qui pratiquent l'assurance-crédit suivent la réglementation prévue par le Code des assurances. Le contrat d'assurance-crédit repose sur trois services : 1- La prévention où l'assureur crédit exerce une surveillance permanente et informe l'entreprise en cas de dégradation de leur solvabilité, 2- Le recouvrement, en cas d'impayé, où l'entreprise transmet le dossier contentieux constitué de l'ensemble des pièces justifiant la créance à la compagnie d'assurance qui intervient auprès du débiteur défaillant et se charge du recouvrement par voie amiable et judiciaire, 3- L'indemnisation, l'entreprise sera indemnisée en cas d'insolvabilité constatée ou procédure judiciaire du débiteur. Dans les autres cas, si le recouvrement n'a pu avoir lieu dans le délai de carence défini au contrat, la compagnie d'assurance procédera également à l'indemnisation de la créance. Dans ce système, l'assureur est subrogé dans les droits de l'assuré pour la récupération de toutes les sommes qui pourraient intervenir ultérieurement. Le contrat d'assurance-crédit expire à l'arrivée de son terme. Les parties peuvent mutuellement convenir de mettre fin à la police d'assurance-crédit ou à l'inverse de le proroger pour une nouvelle durée. / Credit insurance is a system of insurance against compensation allows creditors to be insured against non-payment of debts owed by persons previously identified in state and failure to pay. If the pooling of risk exists in the operations of credit insurance, the legal criteria of the insurance contract does not end up prominently when the debtor fails to assume its maturity or that the insurer has a remedy against the insured. The issue of qualifications is largely mitigated by contractual practice governing credit insurance. The credit insurance operations are not subject to the relevant provisions governing the insurance contract. By contrast, companies that engage in credit insurance follow the rules provided by the Insurance Code. The credit insurance contract based on three services : 1- Prevention as credit insurer has a permanent monitoring and informs the company in case of deterioration of creditworthiness, 2- The recovery in the event of default, where the company sends the file litigation consists of all the documents to justify the claim to the insurance company that works with the defaulter and is responsible for recovery by friendly and judicial, 3- The compensation, the company shall be indemnified in case of insolvency or court proceedings of the debtor. In other cases where recovery could take place in the waiting period defined in the contract, the insurance company will also conduct the compensation due. In this system, the insurer is subrogated to the rights of the insured to recover all sums which may be subsequent. The credit insurance contract expires at the arrival of his term. The parties may mutually agree to terminate the insurance policy or extend it for a further period.

O presente trabalho pretende contribuir com o debate sobre a remuneração por desempenho para professores da educação básica, buscando apreender, a partir da análise da bibliografia sobre o tema, se estas propostas podem ser consideradas uma boa estratégia para que os sistemas educacionais brasileiros alcancem uma educação de melhor qualidade. O trabalho parte de uma caracterização dos profissionais da educação no Brasil, por meio de um breve histórico da profissão docente e da análise da atratividade, retenção e formação dos professores. A seguir, são descritas as origens e características comuns dos programas de remuneração por desempenho, bem como as peculiaridades de seus principais modelos. Algumas propostas de remuneração por desempenho em discussão ou em vigência no Brasil (em nível federal e estadual) foram selecionadas para ilustrar dois destes modelos, com destaque às políticas adotadas pela Secretaria Estadual de Educação de São Paulo. / The following study aims to contribute to the ongoing debate on performance pay for teachers. Through an analysis of the bibliography focused on the field, an effort is made in trying to grasp whether the various proposals of performance pay systems should be considered a good strategy to enhancing the quality of education in Brazil. Starting with a description of Brazilian teachers by means of a brief account of the profession and an analysis of the attractiveness, retention and development of teachers, the study then addresses the origins and common characteristics of performance-based payment programs, as well as their peculiarities. Some performance pay proposals (currently been discussed or already implemented in Brazil, both in the federal or state level) were selected in order to better illustrate two given models, focusing on the policies carried out by the São Paulo State Secretary of Education.

CoordenaÃÃo de AperfeiÃoamento de Pessoal de NÃvel Superior / Irrigation contributes to the increase of industrial and commercial activities, directly impacting on economic progress, generating direct and indirect responsible for the circulation of wealth from the countries jobs. In any irrigation project, it becomes important to understand the concept of technology that is linked not only to factors such as machinery and equipment to optimize production, plus also the fact that these elements or factors need to be operated within the productive activity. This work had as main objective to analyze the influence of technology on the payment capacity of the producers of the Irrigation Plateaus of Guadalupe, in the state of PiauÃ. Specifically, we sought to identify the representative technological factors and group producers based on the calculation of a technological index; calculate the revenue and production costs of the perimeter producer groups; ability to calculate the total and per unit of crop produced raw water payment, considering the groups of producers; and identify the effect of the technological level on the ability to pay the irrigator producer. The primary data were collected by the technical nature of field research, qualitative and quantitative types of descriptive and refer to the year 2012, collected in 2013 three methods were used: factor analysis to extract the main factors in the formation of representative index aggregate of technological producers and cluster analysis to identify producers who had lower or higher levels of adoption of agricultural technology in irrigation. Jointly-used the residual method to determine the ability to pay full, unitary and culture of producers using raw water for irrigation. The results pointed to the definition of four representative factors in the level of technology. For the index, it was observed that the clustering resulted in three classes, according to the low, medium and high order. Costs and revenues for producer group were raised, considering the technological index and then was calculated ability to pay and the total unit per group of irrigators on the perimeter Plateaus of Guadalupe-PI, concluding as satisfactory for the three groups . In the culture analysis, it was determined that the guava CPT was the most significant, followed production consortium of banana, passion fruit. In order to obtain conclusive results and achieve the objectives of the work, did the aggregated analysis, ie, calculating the Technological Producers Index (ITI), there was that irrigating farmers with low ITI showed low CPT, producers with an average ITI revealed average CPT and irrigators with high ITI expressed high CPT. Therefore, it is concluded that the three groups indicated satisfactory CPT, may state that prevails among irrigators analyzed agriculture medium technological level. / A irrigaÃÃo contribui para o aumento das atividades industrial e comercial, impactando diretamente no progresso econÃmico, gerando empregos diretos e indiretos responsÃveis pela circulaÃÃo de riquezas dos paÃses. Em qualquer projeto de irrigaÃÃo, torna-se importante entender o conceito de tecnologia que està ligado nÃo somente a fatores como mÃquinas e equipamentos capazes de otimizar a produÃÃo, mais tambÃm ao fato de que esses elementos ou fatores precisam ser operados dentro da atividade produtiva. Assim, este trabalho teve como objetivo geral analisar a influÃncia da tecnologia na capacidade de pagamento dos produtores do PerÃmetro Irrigado PlatÃs de Guadalupe, no Estado do PiauÃ. Especificamente, buscou-se identificar os fatores tecnolÃgicos representativos e agrupar os produtores com base no cÃlculo de um Ãndice tecnolÃgico; calcular as receitas e custos de produÃÃo dos grupos produtores do perÃmetro; calcular a capacidade de pagamento total, unitÃria e por cultura produzida de Ãgua bruta, considerando os grupos de produtores; e identificar o efeito do nÃvel tecnolÃgico sobre a capacidade de pagamento do produtor irrigante. Os dados de natureza primÃria foram coletados pela tÃcnica de pesquisa de campo, dos tipos qualitativa e quantitativa descritiva e referem-se ao ano de 2012, coletados em 2013. Foram utilizados trÃs mÃtodos: anÃlise fatorial para extraÃÃo dos principais fatores representativos da formaÃÃo do Ãndice tecnolÃgico dos produtores agregado e a anÃlise de clusters, para identificar os produtores que apresentaram menores ou maiores nÃveis de adoÃÃo de tecnologia agrÃcola em irrigaÃÃo. Em conjunto, usou-se o mÃtodo residual para determinar a capacidade de pagamento total, unitÃria e por cultura dos produtores que utilizam Ãgua bruta para irrigaÃÃo. Os resultados apontaram para a definiÃÃo de quatro fatores representativos do nÃvel de tecnologia. Para o Ãndice, observou-se que o agrupamento resultou em trÃs classes, obedecendo à ordem baixo, mÃdio e alto. Foram levantados os custos e as receitas por grupo de produtor, considerando o Ãndice tecnolÃgico e, em seguida se calculou a capacidade de pagamento total e unitÃria por grupo dos irrigantes no perÃmetro PlatÃs de Guadalupe-PI, concluindo-se como satisfatÃria para os trÃs grupos. Na anÃlise por cultura, determinou-se que a CPT da goiaba foi a mais expressiva, seguida da produÃÃo consorciada de banana e maracujÃ. A fim de se obter resultados conclusivos e atingir os objetivos do trabalho, fez-se a anÃlise agregada, ou seja, calculando-se o Ãndice TecnolÃgico dos Produtores (ITI), constatando-se que os produtores irrigantes com baixo ITI apresentaram CPT baixa, os produtores com mÃdio ITI revelaram CPT mÃdia e os irrigantes com alto ITI manifestaram CPT alta. Portanto, conclui-se que os trÃs grupos indicaram CPT satisfatÃria, podendo-se afirmar que predomina entre os irrigantes analisados uma agricultura de mÃdio nÃvel tecnolÃgico.

Entre as alternativas para amenizar impactos negativos ao meio ambiente, decorrentes das atividades humanas, está a criação de áreas protegidas de preservação ambiental, como a Reserva Legal. O problema de pesquisa analisa a sustentabilidade ambiental, econômica e social da exigência de averbação de Reserva Legal e sua influência nas propriedades rurais, tendo como objetivo geral analisar as mudanças em curso e se a percepção dos proprietários frente a essa exigência é positiva, negativa ou não interfere nas suas decisões baseadas na sustentabilidade. Os objetivos específicos são analisar em cada propriedade, a sustentabilidade ambiental, avaliando a situação das áreas de Reserva Legal e as Áreas de Preservação Permanente, as mudanças no desempenho econômico dos principais sistemas produtivos e a sustentabilidade social, considerando os indicadores sociais das propriedades. Também foi pesquisada a aplicabilidade e aceitação por parte dos proprietários do Pagamento por Serviços Ambientais, além de identificar se o agricultor é favorável ou desfavorável à averbação de Reserva Legal e se a mesma foi realizada por livre e espontânea vontade ou para cumprir a lei. A metodologia do estudo foi qualitativa, consistindo em pesquisa bibliográfica e documental, além de pesquisa de campo. As principais técnicas de coleta de dados foram observação e entrevista, visando traçar um perfil dos informantes, interpretando o significado das suas representações e percepções. A amostra é constituída de quinze propriedades rurais com área de Reserva Legal já averbada e implantada, em treze municípios do estado do Rio Grande do Sul. A grande maioria dos entrevistados foi favorável com percepção positiva em relação à Reserva Legal. Os principais critérios determinantes à tomada de decisão, baseada na sustentabilidade, em relação à Reserva Legal, foram a necessidade e o desejo de preservar a natureza, possibilidade de remuneração e a postura afirmativa em relação à obrigatoriedade da lei. Dos quinze entrevistados, treze afirmaram que a participação dos agricultores na formulação das leis ambientais foi pouco democrática. Para a maioria dos respondentes, a implantação da Reserva Legal não trouxe nenhuma modificação significativa na renda da família, não interferindo na economia da propriedade e no sistema produtivo, embora muitos manifestem preocupação com a viabilidade econômica das propriedades menores. De modo geral, a exigência de Reserva Legal mostrou-se sustentável na dimensão econômica. Quanto à dimensão ambiental, pode-se inferir que a Reserva Legal nessas propriedades é sustentável, pois a mata nativa já existente tornou-se mais protegida com a averbação, ou então o proprietário efetuou o plantio de árvores nativas onde não era mata. Em termos de sustentabilidade social, não houveram modificações relevantes nas relações familiares, comunitárias e sociais com a implantação da Reserva Legal, a qual não parece ter gerado problemas sociais na região em estudo e nem aos seus atores. Os entrevistados, de maneira geral, não são contrários à Reserva Legal, mas gostariam ter mais informações, e também mais participação. Enfatizam que cada situação deve ser analisada caso a caso, considerando que desta forma mais agricultores estariam dispostos a implantar a Reserva Legal, mediante o Pagamento por Serviços Ambientais. / Among the alternatives to minimize negative environmental impacts caused by human activities, there is the creation of protected areas of environmental preservation, as kind of the Lawful Forest Reserve. The research‟s problem analyses the environmental, economic and social sustainability of the requirement of Lawful Forest Reserve endorsement on notary‟s office and its influence on the farms, with the general objective to analyze the current changes and if the farmers‟ perception of this requirement is positive, negative or doesn‟t have influence on their decisions based on sustainability. The specific objectives are to analyze in each farm, the environmental sustainability, evaluating the situation of Lawful Forest Reserve Areas and the Permanent Preservation Areas, the changes in the economic performance of the main productive systems and the social sustainability, concerning the farms‟ social indicators. Also was researched the applicability and acceptance of the farmers to the Payment for Environmental Services, beyond of identify if the farmer is favorable or disfavorable to the Lawful Forest Reserve endorsement on notary‟s office and if the same was performed by farmer‟s own free will or to comply with the law. The study‟s methodology was qualitative, consisting of documental and bibliographic research, beyond field research. The mainly data gathering techniques were the observation and interview, aiming to sketch a profile of the informers, interpreting the meaning of their representations and perception. The sample is formed by fifteen farms with Lawful Forest Reserve Areas already endorsed on notary‟s office and implemented, located in thirteen towns of Rio Grande do Sul state. The absolute majority of the interviewed people were favorable with positive perception regarding the Lawful Forest Reserve. The mainly criteria determinant to the decision making process, based on the sustainability, regarding Lawful Forest Reserve, were the need and the desire of nature preservation, compensation possibility, and the affirmative stance regarding the law‟s obligation. Thirteen of the fifteen interviewed people affirmed that the farmers‟ participation on the environmental laws formulation was few democratic. To the majority of the sample, the Lawful Forest Reserve implement did not bring any significant change on the family‟s income, did not interfering on the farm‟s economy and in the productive system, although many interviewed people express worry with the economic feasibility of the smaller farms. Generally, the requirement of Lawful Forest Reserve has showed to be sustainable in the economic dimension. About the environmental dimension, it can be inferred that Lawful Forest Reserve in these farms is sustainable, because the already existing native forest became more protected with the endorsement on notary‟s office, or then, the owner did the planting of native forest trees where wasn‟t forest. About social sustainability, there weren‟t relevant changes in the family, community and social relations with the Lawful Forest Reserve implement, which does not seem to have caused social problems in the studied region, neither to its actors. The interviewed people, generally, are not against of Lawful Forest Reserve, but would like to have more information about it, and also more participation. They emphasize that each situation must be analysed case by case, considering that of this way, more farmers would be willing to implement the Lawful Forest Reserve, through the Payment for Environmental Services.

Orientador: David Dequech Filho / Dissertação (mestrado) - Universidade Estadual de Campinas, Instituto de Economia / Made available in DSpace on 2018-08-06T01:15:47Z (GMT). No. of bitstreams: 1 Santos_AndreLuisMotados_M.pdf: 615304 bytes, checksum: ffba5fa146fc3893fd42875dc9bd3336 (MD5) Previous issue date: 2005 / Resumo: Esta dissertação tem como principal objetivo desenvolver uma família de modelos formais em que sejam consideradas restrição no balanço de pagamentos e fragilidade financeira, sendo esta tomada no sentido minskyano. O trabalho está organizado em cinco capítulos, levando em conta a apresentação e as últimas observações. O segundo capítulo tem por objetivo analisar os dois principais modelos de crescimento com inspiração minskyana, além de revisar aspectos principais da teoria de Minsky e tecer considerações sobre as hipóteses da instabilidade e da fragilidade em uma economia aberta. O terceiro capítulo trata dos principais modelos de crescimento com restrição no balanço de pagamentos, cuja expressão mais conhecida é a Lei de Thirlwall. No capítulo posterior, faz-se uma tentativa de empreender o tratamento de restrição no balanço de pagamentos e de fragilidade financeira num único modelo. Especificações diferentes para a variação do prêmio de risco permitem a construção de uma família de modelos, sendo que dois destes exigem resolução numérica e um é passível de interpretação geométrica (qualitativa). Este, no curto prazo, é capaz de descrever o mecanismo de stop-and-go, que economias com restrição ao crescimento dada pelo balanço de pagamentos enfrentam, além de expressar a fragilidade financeira na conta corrente. No longo prazo, novamente surge a Lei de Thirlwall, com o adendo de que importam também os valores atribuídos no longo prazo à taxa de juros e ao prêmio de risco para o resgate de dívida. Por outro lado, realizando simulações com os modelos que exigem resolução numérica, utilizando valores estimados ou observados para parte dos parâmetros e atribuindo valores a outros, os resultados não são favoráveis para a economia brasileira. Uma observação, porém, é que os modelos que utilizam métodos numéricos precisam ser modificados, a fim de serem utilizados ¿dados de entrada¿ com boa precisão / Abstract: The main objective of this dissertation is to develop a family of formal models in which balance-of-payments constrains and financial fragility have being considered, in the sense considered by Minsky. This work is organized in five chapters, considering the presentation and the last observations. The second chapter has as objective analyze the two main growth models based on Minsky inspiration, revising the main aspects of the Minsky¿s theory and to make considerations on the hypothesis of the instability and of the fragility in an open economy. The third chapter treats the most relevants growth models with constrains on balance-of-payments. In the next chapter, it is made an attempt of undertaking the constrains on balance-of-payments and the financial fragility, both two aspects treated in a single model. Different specifications of the risk prize variation allows the construction of a family of models, in which two of these demand numeric resolution and one is susceptible to geometric interpretation (qualitative). This model, in short-term, is capable to describe the stop-and-go mechanism, that economies with growth restriction caused by balance-of-payments faces, besides express the financial fragility in the current account. In long-term, Thirlwall¿s law appears again, with the addendum that also values attributed in long-term to interest rate and risk prize of debt rescue have importance. On the other hand, realizing simulations with the models that demand numeric resolution, using estimated values or observed as part of the parameters and attributing values to the others, the results are unfavorable for the Brazilian economy. An observation, however, it is that the models that use numeric methods need to be modified, in order to ¿input data¿ be used with good precision / Mestrado / Teoria Economica / Mestre em Ciências Econômicas

nÃo hà / Este trabalho aborda a capacidade de pagamento dos usuÃrios de Ãgua bruta da Bacia do Baixo Jaguaribe, que esta localizada no estado do CearÃ. No Brasil, a polÃtica dos recursos hÃdricos ganhou grande importÃncia apÃs a ConstituiÃÃo Federal de 1988, somente em 1997 à que comeÃou a vigorar as Leis que impÃe a regulamentaÃÃo para o uso da Ãgua. O estado do Cearà foi um dos pioneiros na adoÃÃo da polÃtica dos recursos hÃdricos, utilizando a negociaÃÃo democrÃtica como forma privilegiada de superar conflitos de uso, adotando a bacia hidrogrÃfica, como unidade bÃsica dos recursos hÃdricos. Observa-se no desenvolvimento deste trabalho que a cobranÃa da Ãgua bruta nÃo pode ser feita de forma uniforme, pois, à de fundamental importÃncia considerarem-se as diferenÃas entre os vÃrios perÃmetros irrigados e tipos de culturas ao se estabelecerem critÃrios de cobranÃa pelo uso de Ãgua bruta nesta Bacia. / This work approaches the payment capability of consumers of non-treated water from the low Jaguaribe Bay, in the state of CearÃ. In Brasil, hydric resources policy increased in importance after the 1988 Federal Constitution, but its lows regulating the use of water were reinforced only in 1997. The state of Cearà was pionner in adopting a water resource policy, by means of democratic negociations to overcome conflicts of water usage, taking the hidrografic bay as a unit for water resource. It was observed in this work that charging the use of non-treated water can not be done in a uniform way, since it is extremely important to consider the diferences among the many irrigated perimeters and culture type for the settle rules of charge for the use of non-treated water in this bay.

Shopping cart abandonment, eller digitalt avbrutna köp, beskrivs som problematiskt inom e-handelssektorn. I denna undersökning kartläggs svenska e-handelskonsumenters betalningspreferenser för att författaren ska kunna slutleda varför digitala köp avbryts. En informationsasymmetri råder mellan konsumenter och e-butiker som bidrar till negativa konsekvenser. Då ingen inhemsk, objektiv forskning finns att tillgå och den internationella forskning som existerar är svår att generalisera samt vid flertalet tillfällen är tidsinaktuell bör författarens forskningstillskott ses som relevant. Författaren kartlägger via en kvantitativ studie svenska konsumenters preferenser vid betalningsfasen. Resultatet leder till att konsumenternas krav vad gäller betalningsfasens utformning synliggörs. Svenska e-handelskonsumenter önskar snabba, smidiga och säkra betalningsfaser. En väl utformad betalningsfas väntas även minska den informationsasymmetri som råder mellan konsumenter och e-handlare. Tack vare en högre grad informationssymmetri väntas e-handlarnas respektive konverteringsgrader öka. / Shopping cart abandonment, i.e. discontinued digital purchases, is described as problematic in the e-commerce sector. In this report, digital consumers residing in Sweden will have their payment preferences mapped to allow the author to conclude why digital purchases are interrupted. Information asymmetry exists between consumers and e-retailers which in turn contributes to negative consequences. Since no domestic, objective research is available, and the existing international research is difficult to generalize and often dated, the author's research grant should be considered relevant. The author maps Swedish consumers preferences during the payment phase through a quantitative study. The study makes sure that the domestic consumer's preferences and demands regarding the payment phase are being made visible. Swedish consumers tend to want their payment phases to be fast, easily managed and secure. A well-designed payment phase is also expected to reduce the information asymmetry residing between consumers and e-retailers. Thanks to a more symmetric information flow, the conversion rates regarding e-retailers are expected to increase.

Syftet har varit att på uppdrag av Periallo identifiera vad kunder tycker är viktigast ur ett säkerhetsperspektiv. Detta har skett genom att besvara frågorna vad som är viktigt för konsumenterna ur ett säkerhetsperspek-tiv när de handlar av små e-handelsföretag och vilka säkerhetslösningar samt betallösningar som är relevanta för små e-handelsföretag. Vi har även undersökt om det är värt för ett litet e-handelsföretag att investera i en certifiering. Arbetet har kartlagt betallösningar, säkerhetslösningar och certifieringar med hjälp av en kritisk litteraturstudie och med en enkät, det vill säga en kvantitativ metod. Resultatet av undersökningen har visat att de flesta kunderna känner sig trygga när de handlar på Internet. Den säkraste betallösningen anses vara faktura, medan de populäraste betalsätten är konto/kreditkort och direktbetalning. Utöver det har undersökningen också visat att det är viktigare för mindre och okända e-handelsföretag att tydligt visa vilka säkerhetslösningar de använder sig av gentemot de stora och kända företagen trots att de flesta av deltagarna inte var medvetna om vilka säkerhetslösningar som finns för att skydda företag och konsument. / The purpose of this study is, on behalf of Periallo, to identify what it is that customers consider to be of greatest importance from a security perspective. This has been conducted from the answers given by consumers when asked a question concerning what they deem to be important from a security perspective when they shop from small e-commerce companies. In addition, a consideration has also been given to the security and payment solutions that are relevant to small e-commerce companies. An examination has also been conducted as to whether it is worth a small e-commerce company investing in a certification. In this work, payment solutions, security solutions and certifications have been identified by means of a critical literature review and a questionnaire, which is a quantitative method. The results of the study have shown that the majority of customers feel that it is safe to shop online. The most secure payment solution is considered to be an invoice, while the most popular payment methods are debit/credit cards and direct payment. In addition, the study has also shown that it is more important for a small and unknown e-commerce company to properly reflect upon the security solutions that they use against the large and well-known companies, even though, the majority of the participants in this study, were not aware of the security solutions available to protect companies and consumers.

With the technological development of e-commerce and the increasing necessity to use online transactions, more and more online electronic payments systems have appeared to meet global demand. Furthermore, user acceptance of these kinds of systems is different for individuals in different cultures, and culture could be a factor that has great potential impact on predictions of user acceptance. The world has evolved to a degree where transactions occur between different cultural environments. This study aims to provide an understanding of how culture affects users’ intentions of electronic payment systems. Based on the purpose of this study, a questionnaire has been conducted in the interest of collecting data for statistical purposes. To make more sense about the results, a case study on PayEx (an electronic payment system) in Linnaeus University has been conducted through analysing twenty users’ interview records. Finally, this study expands on user acceptance research through looking at the role of culture and social influence. In practice, the results of this study give the thought for accurate forecasting of user acceptance towards electronic payment systems with considering cultural influence.

Mobila betaltjänster blir ett allt mer aktuellt ämne och den svenska marknaden är inget undantag. Idag erbjuds ett flertal mobila betaltjänster och därmed är det av stor vikt att undersöka vad som gör dem framgångsrika. I denna rapport har den mobila betaltjänsten Swish studerats. Denna undersökning har haft som avsikt att besvara en frågeställning rörande vilka faktorer som har en påverkan gällande acceptans, attityder och intentioner kring användandet av Swish. Vi avser även att undersöka eventuella samband mellan olika faktorer. I undersökningen har två grupper studerats, vilka är användare och icke-användare av Swish. I hopp om att besvara frågeställningen har Teknologiacceptansmodellen använts och även metoder som lämpar sig väl tillsammans med denna modell. Studiens empiri har samlats in via en elektronisk enkät, vilken utformats med hjälp av inspiration från tidigare studier samt egna tankar kring vad som kan ge intressanta resultat gällande Swish. Faktorn som enligt våra resultat haft starkast samband med Intention till användning och därmed acceptans och Faktisk användning, är för gruppen användare Upplevd användbarhet. För gruppen icke-användare visar faktorn Socialt inflytande starkast samband med Intention till användning och därmed även acceptans. / Mobile payment services is a topic that is becoming more widespread and the Swedish market is no exception. Today the market offers a number of mobile payment services, and thus it is of great importance to examine what makes them successful. In this report the mobile payment service Swish has been studied. This study has had the intention to answer a question regarding which factors that are affecting the acceptance, attitudes and intentions for the use of Swish. We also had the intention to examine possible relationships between the factors. In this study we have chosen to examine two groups, users and non-users of Swish. In hope of being able to answer the question, the Technology acceptance model was used and also methods that are suitable for this model. The study's empirical data was collected through an electronic survey, which was designed with inspiration from earlier studies and our own ideas about what could give interesting results regarding Swish. According to our findings Perceived usefulness is the factor that had the strongest relationship with Intention to use and thus acceptance and Actual usage for the group that we called users. For the group of non-users we have found that the factor Social influence had the strongest connection with Intention to use and acceptance.