Purpose: This study aims to examine how digitalization affects risk management procedures within Swedish banks in relation to the implementation of GDPR, PSD2 and KYC. Method: The empirical result is due to semi-structured interviews with four bank representatives from the Swedish bank sector as well as three representatives from the Swedish RegTech industry. The interviews took place in person or via telephone. Empirics and Conclusion: The result shows that digitalization has affected the way Swedish banks handle their risks. New risks have emerged resulting in a more complex environment, where several factors need to be taken into consideration such as operational risks. Depending on the type of bank, different risk strategies have been identified. The bank- and RegTech representatives point out several aspects that need to be improved to make risk management more efficient. This includes increased digital automatization to handle big data more efficiently resulting in more adequate KYC analysis. Lastly the empirical result shows that digital banks together with RegTech companies set the normative standard on how to approach risk management in a digital era. From a new institutional perspective legitimacy is attained when banks conform to present norms within the industry caused by the three types of isomorphism. Where the institutional forces mould, construct and regulate the social structures. Furthermore, nudging can be applied as a tool that banks have been using to adapt to current requirements, by educating their workers and using digital tools to make better decisions. / Syfte: Studien ämnar undersöka hur digitalisering påverkat riskhanteringsprocessen i svenska banker i relation till implementeringen av GDPR, PSD2 och KYC. Metod: Empirin har uppkommit genom semistrukturerade intervjuer genom fyra bankrepresentanter från den svenska banksektorn tillsammans med tre representanter från svenska RegTechbolag. Intervjuerna skedde i person eller via telefon. Empiri och Slutsats: Resultatet visar att den digitalisering som skett inom bankväsendet påverkat bankernas riskhantering. Nya risker har följaktligen uppkommit, vilket resulterat i en mer komplex miljö. Där flera nya faktorer behöver ses över såsom operativa risker. Beroende på typ av bank, har olika riskstrategier identifierats. Bank- och RegTechrepresentanter poängterar att det finns ett flertal förbättringsområden för att effektivisera den nuvarande riskhantering. Detta inkluderar en utökad digital automatisering för att hantera den massiva data som banker dagligen behöver analysera. På så sätt kundkännedomsanalyser förbättrats. Slutligen visar det empiriska resultatet att digitala banker tillsammans med RegTechbolag sätter en normativ standard gällande hur risker skall bemötas i en digital era. Utifrån ett nyinstitutionellt perspektiv, uppnås legitimitet när banker formar sig efter rådande normer orsakat av institutionella krafter. Den likformiga riskhantering som uppstår i industrin kan kopplas till tvingande-, normativ och imiterande isomorfism. Även beteendeinsatser kan utläsas inom bankindustrin för att internt forma och strukturera organisationen efter rådande krav. Detta görs genom digitala riskhanteringsverktyg som förenklar beslutsprocessen samt genom utbildning och kunskap expertis.

The aim of this master’s thesis was to study the portrayal of discrimination that occurs because of multiple factors in Maya Angelou’s book I Know Why the Caged Bird Sings. The analysis has been conducted through the lens of Critical Race theory as the theory draws on the affiliation between race, racism and power. The main focal point of this essay was the intersectionality of race, gender and social class. The results of this study showed recurring events in which the characters in the book are marginalized. However, the study also showed the resilience and resistance the characters manifests in their exertion for an equal society. Additionally, this Master’s thesis addressed how the English as a Foreign Language classroom with the inclusion of Caged Bird and the usage of Critical Race pedagogy can start a development of fundamental values such as equality and gender roles whilst diminishing prejudice.

La Tunisie est un État d’Afrique du Nord appartenant à l’Union du Maghreb Arabe. Malgré sa petite superficie par rapport aux pays voisins, elle possède un patrimoine riche et diversifié. Grâce à son emplacement géographique, le patrimoine en question est l’héritage des différentes civilisations qui se sont installées dans le pays durant son histoire. Le pays est constitué de 24 gouvernorats dont chacun présente des savoir-faire artisanaux ancestraux profondément spécifiques, identitaires et uniques à chaque région. Toutefois, en dépit de la richesse du patrimoine tunisien et de son potentiel socio-économique, l’artisanat tunisien connaît une situation difficile depuis la crise économique du printemps arabe en 2011. Dans le but de préserver l’héritage culturel matériel et immatériel du pays, ainsi qu’encourager son développement socio-économique, des collaborations entre designer et artisan s’organisant autour de la création de produits contemporains inspirés des savoirs et savoir-faire ancestraux locaux sont fortement encouragées par le gouvernement et l’office national de l’artisanat tunisien. Cette étude explore les enjeux, la portée et les limites de ce type de collaboration. Dans un premier temps, elle répertorie différentes stratégies mises en oeuvre à travers le monde, avec un focus particulier sur le cas de la Tunisie, pour préserver l’héritage culturel. Dans un second temps, elle s’intéresse plus précisément au rapport designer-artisan en s’appuyant sur la littérature et une enquête de terrain. Des entretiens auprès de trois designers oeuvrant dans de petites et moyennes entreprises tunisiennes et de huit artisans ayant collaboré avec eux ont été réalisés. Des entrevues supplémentaires avec trois artisanes ont suivi, afin de mieux documenter leurs diverses expériences. Leurs dynamiques collaboratives sont caractérisées par de nombreux écueils. Il existe entre ces acteurs une importante différence de points de vue et de visions concernant la contribution de chacun. / Tunisia is a North African state belonging to the Arab Maghreb Union. Despite its small size compared to its neighboring countries, it has a rich and diversified heritage. Thanks to its geographical location, the heritage in question is the legacy of the different civilizations that settled in the country during its history. The country is made up of 24 governorates, each of them have an ancestral craft skill that are deeply specific, identity-based and unique. However, despite the richness of the Tunisian heritage and its socio-economic potential, Tunisian handicrafts are experiencing a difficult situation since the economic crisis of the Arab Spring in 2011. The government and the National Office of Tunisian Handicrafts strongly encourage the collaborations between designers and craftsmen that are organized along the creation of contemporary products inspired by local ancestral knowledge and know-how. These endeavours are made to preserve the country's tangible and intangible cultural heritage, also to encourage its socio-economic development. This research explores the issues, scope and limits of this collaboration. First of all, it identifies different strategies implemented around the world, with a particular focus on Tunisia, to preserve cultural heritage. Then, it looks more specifically at the designer-craftsmen relationship, based on literature and a field survey. Interviews have been realised with three designer’s owner of SME in Tunisia and eight craftsmen who have been collaborated with them. Additional interviews with three craftswomen followed, to better document their various experiences. Their collaborative dynamics are characterized by many pitfalls. Indeed, there are different point of views and visions between these actors regarding the contribution of each.

Penningtvätt är idag ett samhällsproblem som hotar att förstöra förtroendet för det finansiella systemet och berörda institutioner. Bankerna kan idag betraktas ha ett viktigt ansvar i att förhindra penningtvätt, men trots ansvaret har olika banker i Sverige under de senaste åren fått negativ uppmärksamhet i media och blivit dömda till olika sanktioner. Parallellt med regelverket och den ökade digitaliseringen, värnar bankerna om sina kundrelationer på den konkurrensutsatta marknad där de är verksamma. Det går även att diskutera hur bankernas roll att bekämpa penningtvätt förhåller sig till att de som privata aktörer även har intresse i att bedriva vinstdrivande affärsverksamhet.  Syftet med denna uppsats är att undersöka hur banker verksamma i Sverige ser på sin dubbla roll i att bedriva vinstdrivande affärsverksamhet och samtidigt bära ett stort ansvar för att förhindra penningtvätt, vilket kan beskrivas som resurskrävande brottsbekämpning. Vidare är syftet att analysera vad bankernas roll skapar för incitament, möjligheter och utmaningar för banker att förhindra penningtvätt. För att uppnå syftet har bankernas relation gentemot kunder, myndigheter och konkurrenter legat till grund för studiens analysmodell, som har använts för att analysera det insamlade materialet. Studien har genomförts med hjälp av en kvalitativ metod, där semistrukturerade intervjuer har genomförts med experter som dagligen arbetar med penningtvättsfrågor inom banker verksamma i Sverige.  Resultatet i denna studie tyder på att bankerna idag tar sin roll som penningtvättsbekämpare på större allvar, där mer resurser läggs på området än för bara några år sedan. Den ryktesrisk som bankerna idag behöver hantera, samtidigt som de är verksamma på en konkurrensutsatt marknad, har visat sig vara en viktig faktor i hur bankerna ser på sin roll. Trots att resultatet visar på förbättringar, har banker en utmaning i att hänga med i digitaliseringens utveckling, något som hittills mer gynnat de som tvättar pengar än bankerna. En möjlighet som resultatet visar är att bankerna efterfrågar utökat samarbete mellan banker och myndigheter, något som i framtiden kan leda till ett mer effektivt arbete mot penningtvätt. / Money laundering is today a societal problem that threatens to destroy the trust in the financial system and the institutions concerned. Banks can today be considered to have an important responsibility in preventing money laundering. Despite the responsibility, various banks in Sweden have in recent years received negative media attention and been penalized with various sanctions. In parallel with the regulations and the increased digitalization, the banks want to keep their customer relations at the competitive market in which they operate. It is also possible to discuss how banks’ role in preventing money laundering relates to the fact that they, as private actors, also have an interest in making profit as private actors.  The aim of the study is to investigate how banks operating in Sweden view their dual role in making for-profit business operations and at the same time having a big responsibility for preventing money laundering, which can be described as resource-intensive law enforcement. Furthermore, the aim is to analyze what banks’ role creates for incentives, opportunities and challenges for banks to prevent money laundering. To achieve the aim of the study, the banks relationship to customers, authorities and competitors have formed the basis of the analysis model, which has been used to analyze the result from the interviews that have been made. The study was conducted using a qualitative method, where semi-structured interviews were conducted with experts who work at a daily basis with money laundering questions within banks operating in Sweden.  The results of this study indicate that banks today take their role in combating money laundering more seriously, where more resources are invested in the area comparing with just a few years earlier. The reputation risk that the banks today need to deal with, at the same time as they operate in a competitive market, has proved to be an important factor in how banks view their role. Although the results show improvements, banks have a challenge in keeping up with the digitalization and its development, something that so far have benefited money launderers more than the banks. A possibility that the result shows is that the banks request increased cooperation between banks and authorities, something that in the future may lead to a more efficient work against money laundering.

The master's work consists of 117 sheets, 127 bibliographic sources and 4 applications are used. Relevance of the research topic. The active turnover of the intangible results of human labor is an integral part of modern economic relations. The process of quality development of individual organizations, and the economy as a whole, is directly related to the continuous improvement of technical means and technologies. The purpose of the study is the development of measures to improve the management of intellectual property in the medical field by the example of FGBU "RNTS" VTO "them. Acad. G.A. Ilizarov ”of the Ministry of Health of Russia (hereinafter the Ilizarov Center; Center). To achieve this goal, the following tasks were set and solved: to study the concept and essence of intellectual property in economic and legal aspects; to analyze the financial and economic activities of the Center; develop measures to improve the management of intellectual property of the Center. The study made it possible to clarify the concept of “medical intellectual property”, to substantiate the new classification signs of intellectual property of a medical institution, to develop an algorithm for managing intellectual property in a medical institution. Significance. The author has developed measures for managing intellectual property in the provision of medical services, and also has proposed an organizational and methodological mechanism for the implementation of practical recommendations. / Магистерская работа состоит из 117 листов, использовано 127 библиографических источников и 4 приложения. Актуальность темы исследования. Активный оборот нематериальных результатов человеческого труда является неотъемлемой частью современных экономических отношений. Процесс качественного развития отдельно взятой организаций, и экономики в целом, напрямую связан с непрерывным совершенствованием технических средств и технологий. Цель исследования – разработка мер по совершенствованию управления объектами интеллектуальной собственности в медицинской сфере на примере ФГБУ «РНЦ «ВТО» им. акад. Г.А. Илизарова» Минздрава России (далее Центр им. Илизарова; Центр). Для достижения указанной цели были поставлены и решены следующие задачи: изучить понятие и сущность интеллектуальной собственности в экономическом и правовом аспектах; провести анализ финансово-хозяйственной деятельности Центра; разработать мероприятия по повышению эффективности управления интеллектуальной собственностью Центра. Проведенное исследование позволило уточнить понятия «объект медицинской интеллектуальной собственности», обосновать новые классификационные признаки интеллектуальной собственности медицинского учреждения, разработать алгоритм управления объектами интеллектуальной собственности в медицинском учреждении. Значимость. Автором разработаны мероприятия управления интеллектуальной собственностью при оказании медицинских услуг, а также предложен организационно-методический механизм реализации практических рекомендаций.

This dissertation explores the battle to democratize the national security state, 1970-1978. It examines the neo-progressive movement to institutionalize a new domestic policy regime, in an attempt to force government transparency, protect individual privacy from state intrusion, and create new judicial and legislative checks on domestic security operations. It proceeds chronologically, first outlining the state's overwhelming response to the domestic unrest of the 1960s. During this period, the Department of Justice developed new capacities to better predict urban unrest, growing a computerized databank that contained millions of dossiers on dissenting Americans and the Department of Defense greatly expanded existing capacities, applying cold war counterinsurgency and counterintelligence techniques developed abroad to the problems of protests and riots at home. The remainder of the dissertation examines how the state's secret response to unrest and disorder became public in the early 1970s. It traces the development of a loose coalition of reformers who challenged domestic security policy and coordinated legislative and litigative strategies to check executive power. / History

At the outset of the Phaedrus, Plato tells us that Socrates’ knows himself (228a). This statement is then followed up by Socrates’ claim that he is not able to obey the Delphic imperative and know himself (229e-230b). This apparent contradiction has given rise to an interesting debate concerning what kind of knowledge we are dealing with here. While the debate is complex a few main positions can be identified. One group of scholars, hereafter referred to as the practitioners, argue that the self-knowledge Socrates here talks about is a life-guiding term. The practitioners argue that when striving toward what is true about oneself and acknowledging one’s limits, one turns away from chaos towards a well structured life. Another group of scholars, referred to as the mystics, argue that self-knowledge is something Socrates’ possesses when contemplating over his own epistemic limits as well as his soul and its connection to the Forms. Finally, the unitarian view explains the content of self-knowledge, namely that it includes dispositional and cognitive knowledge of oneself. Even if these views are helpful to explain the different parts of self-knowledge, they fail to explain Socrates’ apparently contradictory answers regarding self-knowledge. What is lacking, and what this thesis will try to provide, is an account of how Socrates both can say that he knows and does not know himself. The thesis will help explain how Socrates can be said to have self-knowledge. However, Socrates does not yet have absolute self-knowledge and acknowledges, with his denial of self-knowledge, that a deepened self-knowledge can be gained gradually. On the view that this thesis will test and defend, Socratic self-knowledge is a continuum, that is to say, a coherent yet dynamic knowledge. This can help to explain how Socrates can claim to both know and not yet know himself.

Pengar utgör en grundläggande pelare i samhället och är en avgörande faktor i individens vardagliga liv. Finansiella institut bär ett samhällsansvar kring de finansiella medel som är i cirkulation. Vilket även medför regulatoriska krav som finansiella institut behöver följa för att få bedriva sin verksamhet. Finansiella institut behöver bland annat förhålla sig till lag (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism vilket utgör grunden för arbetet med penningtvätt. Artificiell intelligens har blivit vanligare att integrera i sin verksamhet och finansiella institut är inget undantag. Det förekommer däremot fortfarande utmaningar för finansiella institut trots det regulatoriska systemet som finns på plats. Studien syftar därför till att undersöka möjligheterna AI kan medföra för användarna i AML-processen inom finansiella institut. Studien avser att besvara frågeställningen genom en kvalitativ forskningsansats med en narrativ litteraturstudie samt empirisk insamling gjord med semistrukturerade intervjuer. Den empiriska insamlingen tyder på återkommande områden som konkretiserar både möjligheter och utmaningar med att nyttja AI i AML-processen hos finansiella institut. Studiens resultat visar att möjligheterna för användarna i AML processen mynnar ut i tre områden som är följande: AI för kompetensutveckling, AI som analysverktyg och AI som sammanställningsverktyg. / Money forms a fundamental pillar of the society and is a decisive factor in the everyday life of an individual. Financial institutions bear a societal responsibility regarding the financial funds that are in circulation. Which also entails regulatory requirements that financial institutions need to follow in order to conduct their business. Financial institutions need to comply with, among other things, Act (2017:630) on measures against money laundering and the financing of terrorism, which forms the foundation for the work against money laundering. Artificial intelligence has become more frequent to integrate into businesses and financial institutions are no exception. There are still challenges for financial institutions despite the regulatory system in place. The study therefore aims to investigate the possibilities AI can bring to the users in the AML process within financial institutions. The study intends to answer the question through a qualitative research approach with a narrative literature study and an empirical collection made with semi-structured interviews. The empirical collection indicates recurring areas that concretize both the opportunities and challenges of using AI in the AML process of financial institutions. The result of the study shows that the possibilities for the users within the AML process boils down to three areas which are as follows: AI for competence development, AI as an analysis tool and AI as complementary tool.

The illicit practice of money laundering (ML) poses global challenges, causing harmful repercussions for society. Legislators worldwide have placed financial institutions at the forefront of initiatives aimed at preventing ML. Even with the adoption of Anti-Money Laundering (AML) measures, financial institutions continue to face challenges in combating illicit financial activity. Prior investigations primarily concentrated on evaluating the regulatory framework itself, leaving gaps in understanding other aspects causing ineffective AML efforts. Going further in-depth, this study aims to explore how institutional pressure leads to ineffective ML prevention within Finnish financial institutions. To address these challenges, the institutional theory and several concepts supported the exploration of the institutional environment, with due consideration given to social constructs. Furthermore, a qualitative approach is employed due to the exploratory nature of this study. It consists of the analysis of both classified and public official documents from the Finnish Financial Supervisory Authority (FIN-FSA), interviews held with representatives actively involved in financial institutions' AML efforts, and other official AML guidelines. The findings of this study acknowledge the suboptimal regulatory pressure and reveal instances of data deficiencies. However, the social context emerged as the most influential factor, highlighting the gap between AML efforts and ML activities.

Syftet med studien är att utforska hur implementeringen av studie- och yrkesvägledning i tidigt skede på grundskolor främjar elevers framtida studie och yrkesval. Då studie- och yrkesvägledningen är ett ämne som ofta bortprioriteras på grund av diverse anledningar innebär det att det ofta implementeras i ett sent stadium. Studien bidrar med en förståelse för problemområdet. Undersökningen har genomförts utifrån kvalitativ metod och semistrukturerade intervjuer. Därför har semistrukturerade intervjuer genomförts med sju utbildade studie- och yrkesvägledare som arbetar inom grundskolan.      Studiens frågeställningar är: -Hur arbetar SYV med studie- och yrkesvägledning i yngre årskurser? -Hur involverad är skolans ledning i studie- och yrkesvägledningen? -Vilken betydelse har tidig implementering av studie- och yrkesvägledning på elevers valkompetens? För att besvara dessa frågor utgår studien från informanternas svar. Intervjuerna har analyserats med hjälp av Gottfredsons teori om begräsningar och kompromisser där begreppen självuppfattning, yrkesstereotyper, mentala kartor över yrken, omskrift och kompromiss används. Hodkinson och Sparkes begrepp handlingshorisont varvas med dessa begrepp.      Studiens huvudresultat visar att implementeringen av studie- och yrkesvägledning i tidigt skede bidrar till en säkerhet hos eleverna samtidigt som deras valkompetens ökar. De informanter som integrerar studie- och yrkesvägledningen tidigt belyser resultatet av det och de informanter som inte integrerar det tidigt i dagsläget uttrycker en gemensam önskan kring att få göra det en dag. Tidsbrist och okunskap hos skolans ledning är återkommande faktorer som påverkar den tidiga implementeringen.