This paper analyses the innovative digital money CBDC and its potential influence in Sweden and China with Privacy Calculus Model. The research aims to understand how e-krona and e-CNY will influence individual privacy in Sweden and China, and what the similarities and differences are. The e-krona and e-CNY will further reduce the usage of cash, which is the full-anonymous money. E-krona may not be full-anonymous, when it replaces some cash, the payment privacy also gets reduced. E-krona and e-CNY will both allow their central banks to have more control of transaction data. Compared to cash, privacy is reduced. Compared to other e-payments such as bank cards, individual privacy is more protected. The commercial organizations may have less access to transaction data with e-krona and e-CNY, there will be less targeted advertising, individuals will have more privacy. Swedish interviewees also trust the current payment tools. But they think e-krona could further improve the payment system. Chinese interviewees complain a lot about private payment companies, they think the change by e-CNY will be great. For personal interest, both sides have interests in e-krona/e-CNY. But Swedish interviewees are interested in e-krona due to the willingness to try new things. Chinese interviewees also mention that they are attracted by its free transaction fees, linking the isolated payment platforms.

My thesis deals with a system of remuneration and motivation of employees in a selected company. The company wanted to remain anonymous. The theoretical part defines basic concepts from the personnel work and employees motivation. In the practical part, I introduce the company and analyse the system of remuneration and motivation of employees. Subsequently, a survey in the form of a questionnaire will be conducted among employees, focusing on their satisfaction with the system of remuneration. Based on the findings, I will propose measures that would improve the current situation and may contribute to a higher motivation of the employees in the future as well as to the improvement of their performance.

The development of e-commerce relies upon consumer usage intentions, and Information Systems (IS) researchers have examined usage intentions toward various online e-commerce systems. However, these systems have been studied in prior works independently rather than comprehensively. In order to pursue better measures for predicting and explaining Business to Customer (B2C) e-finance and some other major e-commerce adoptions for consumers, a comparison analysis across three different online systems (online shopping, online banking and online payment) was conducted to advance the understanding of the adoption factors and their linkage to consumer behavior. Refining from Perceived Risk Theory and existing studies, specific risk facets, consumer characteristics and system characteristics were operationalized and integrated within the Technology Acceptance Model (TAM) resulting in a proposed e-finance and other e-commerce system adoption model. A survey instrument was developed based on exploratory qualitative inquiry and quantitative assessment and was used to assess the influence of different risk and utility facets on the attitude towards e-commerce adoption. Results of this empirical study showed that the relationships between perceived usefulness, perceived ease of use, and intention of use were positively and significant towards all three online systems, while perceived risk had a negative impact on the adoption of online shopping and online payment only, which could result from the relative high risk perception towards the two systems. The results provide support of extended TAM model which integrates perceived risk and additional system-specific features and user-specific demographic factors in predicting a consumer's intention of adoption of online systems. Implications for both the academic and practitioner communities were discussed.

The master´s thesis assesses the way of cash management in an international company focused on cash pooling and netting. On the basis of an analysis of current situation and with respect to impact of cash management there is offered proposal for netting implementation in the selected company.

This thesis deals with the selection of the best funding method of purchasing new punching press TruPunch 5000 for company AZ Klima, s.r.o. This work includes analysis of current leasing and credit options on the Czech market and their evaluation in accordance to given kriteria as well. The goal of the thesis is to select the most appropriate funding method.

This master's thesis was written to create a model of the solution of the specialized e-commerce focusing on the sale of textiles. Part of this work is the model solution, economics of the project and the proposal of the project promotion.

The subject of this diploma thesis concerns problems connected with receivables at corporate enterprise. On the basis of results of performed analysis of the present state of receivables in the selected company, several measures are proposed to help improve weak points in the system of care for receivables in the company.

El presente proyecto se basa en la creación e implementación de una aplicativo que consolide las tarjetas de transporte publico de Lima, mediante la cual los usuarios podrán realizar recargas en cualquier momento, visualizar saldos disponibles y además tener la opción de suscribirse a una membresía mensual con la que podrán obtener viajes gratis compartiendo los códigos de promociones con amigos y familiares. Ahora bien, analizaremos también la problemática del transporte público en Lima desde el punto de vista de los usuarios al momento de abordar una unidad de transporte identificando cuales son los principales problemas que las personas tienen al momento de hacer una recarga de su tarjeta, y cuáles serían las posibles soluciones tomando en cuenta el constante crecimiento del uso de aplicativos móviles en los usuarios limeños. Por lo tanto, ofreceremos un aplicativo de fácil uso e interacción, tomando como principal referente al cliente y sus necesidades. Para implementar este aplicativo se requiere de un capital promedio de S/.80,895.000, los cuales incluyen los gastos pre operativo, activaciones iniciales, capital de trabajo inicial y la implementación del aplicativo, mediante empresas diseñadoras como Peruapps o Hostper. Dicho monto será obtenido mediante aportes de cada accionista del proyecto y financiamiento no tradicional, como crowdfunding de empresas y universidades peruanas. Por último, validaremos nuestro modelo de negocio mediante la intención de descarga del aplicativo en los usuarios activos del transporte público en Lima. / This project is about the creation and implementation of an application that consolidates the public transportation cards of Lima, through which users can recharge at any time, view available balances and have the option of subscribing to a monthly membership with which they can get free trips sharing the codes of promotions with friends and family. However, we will also analyze the problem of public transportation in Lima from the point of view of the users at the time of approaching a transport unit identifying which are the main problems that people have at the time of making a recharge of their card, and which would be the possible solutions taking into account the constant growth of the use of mobile applications in the Lima users. Therefore, we will offer an application that is easy to use and interact with, taking the customer and their needs as the main reference. To implement this application requires an average capital of S /.80,895.000, which includes pre-operational expenses, initial activations, initial working capital and the implementation of the application, through design companies such as Peruapps or Hostper. This amount will be obtained through contributions from each shareholder of the project and non-traditional financing, such as crowdfunding of Peruvian companies and universities. Finally, we will validate our business model through the intention of downloading the application in the active users of public transport in Lima. / Trabajo de investigación

Les modèles du contrat FIDIC sont parmi les conditions de référence les plus couramment utilisées dans les projets internationaux. Le contrat FIDIC est calqué sur des conceptions juridiques enracinées dans le système de Common Law. Cependant, il y a une augmentation dans l’utilisation des modèles FIDIC dans les systèmes du code civil. Ainsi, les employeurs, les entrepreneurs, les organismes de financement internationaux, les ingénieurs, les avocats et les parties prenantes des projets, utilisant les modèles FIDIC dans les systèmes du code civil, doivent comprendre l'interprétation des dispositions FIDIC dans le contexte du droit civil. Dans cette recherche, l’application des provisions concernant le temps et le paiement supplémentaires sous l’auspice d’un contrat FIDIC (CONS) sera étudiée dans le contexte du droit civil, avec une attention particulière pour l’application spéciale de telles provisions sur le droit civil Egyptien. Les ressemblances et différences entre les provisions concernant le temps et le paiement supplémentaire sous l’auspice d’un contrat FIDIC (CONS) et le droit civil Egyptien seront identifiées. Des recommandations concernant les provisions concernées seront faites quant aux modifications à apporter soit au Code civil Egyptien soit au modèle FIDIC (CONS), selon le cas. Cette recherche vise à illuminer les employeurs, les ingénieurs et les entrepreneurs concluant des projets fondés sur le modèle FIDIC (CONS) et ayant élu le droit Egyptien en tant que loi applicable; gérer correctement les délais, retards et risques entraînant des paiements supplémentaires dans les contrats de construction. Cela devrait permettre de minimiser, autant que possible, les litiges associés aux retards et aux demandes de prorogation de délai et/ou du paiement supplémentaire. Étant donné que la plupart des systèmes juridiques du Moyen-Orient sont fondés sur les principes du droit civil et sont fortement influencés par le droit civil Egyptien, il est envisagé que cette recherche soutienne l'administration effective et efficace des contrats de construction dans la région. / The FIDIC forms of contract are one of the most commonly used standard conditions of contract in international projects. The FIDIC is based on legal concepts rooted in the Common Law system. However, there is an increase use of the FIDIC in Civil Law jurisdictions. Thus, employers, contractors, international financing organizations, engineers, lawyers and stakeholders of projects, using FIDIC in Civil Law jurisdictions, need to understand the interpretation of the FIDIC provisions against a Civil Law background. In this research, the application of time and additional payment provisions of the FIDIC (CONS) will be studied in the context of the Civil Law, with special application on the Egyptian Civil Law. Similarities and differences between the relevant provisions of time and additional payment under the FIDIC (CONS) and the Egyptian Civil Law will be recognised. Recommendations will be yielded as to amendments to be made either to the Egyptian Civil Code or to the FIDIC (CONS), as the case may be, in relation to the provisions at issue. It is envisaged that this research would help employers, engineers and contractors, entering into projects based on the FIDIC (CONS) and with the Egyptian Civil Law as the applicable law, properly manage time provisions, delays and risks leading to additional payment in the construction contracts. This should help minimize, as much as possible, disputes associated with and/or resulting from the delays and claims for extension of time and/or additional payment. Since most of the legal systems of the Middle East are founded upon Civil Law principles, and are most heavily influenced by the Egyptian Civil Law, it is envisaged that this research would support effective and efficient contract administration of construction projects among the region.

Background: The convergence of payment behaviours can contribute to the diffusion of new payment technologies and thus economic performance. There is evidence that the electrification of the retail payment system promotes the performance of the banking sector and economic growth. The retail payment market is a prime example of a two-sided market where new payment instruments need to reach a critical mass of users to become viable and grow further (Martikainen, Schmiedel & Takalo, 2015). Purpose: The purpose of this paper is to analyse Bitcoin, as a payment method, and review the models already used to shed more light on its further potential adoption by retailers. We apply the DOI theory and review the TAM model to determine the underlying characteristics of Bitcoin that will enable further adoption or rejection among retailers. Method: We conduct a case study on Bitrefill AB which offers a rich method for investigating and researching. With the process of interpretation in context, we make inference from the case of Bitrefill in connecting with events and experiences of other retailers (Expedia, Alibaba, Overstock and CheapAir). Conclusion: According to the results, the adoption of Bitcoin relies heavily on positive relative advantages to other payment methods, compatibility and simplicity of its use while negative characteristics that pull it back from being adopted include the complexities in understanding the technology behind it, damaging outcomes varying from the expected.