Purpose: This study examines how hotels manage digitization within the industry. Specifically it seeks to examine how managers view decisions and strategies for implementing SST in relation to hotel guest’s acceptance. Design/methodology/approach: This study has assumed a mixed methods methodology. The method has been carried out through an abductive approach between theoretical and empirical material. The study is based on a combined research design of qualitative and quantitative nature and is grounded on the empirical evidence that consists of three semi-structured interviews and surveys. The qualitative part leads to analysis according to the theoretical structure and is then combined with statistical analysis of the survey responses. Findings: This study confirms a few elements of previous literature: implementations require considerable investments and costs; SST on offer in the hotel industry are found lacking; guests prefer technologies they have experience with; and managers have a wait-and-see attitude to SST. The study also shows that people used to technology are proportionately big and have a positive attitude towards SST. Further, the study presents new theoretical insights: high-end hotels are expected to offer technology; SST is perceived to reduce hotels security; attitude towards SST does not differ between genders; and SST is perceived to affect aesthetics. / Syfte: Denna studie undersöker hur hotell hanterar digitalisering av branschen. Mer specifikt undersöker denna studie hur managers betraktar beslut och strategier för implementering av SST i relation till hotellgästers acceptans. Design/metod/tillvägagångssätt: Denna studie har utgått från metodkombination. Metoden behandlas genom ett abduktivt tillvägagångssätt mellan det teoretiska och empiriska materialet. Studien baseras på en kombinerad forskningsdesign av kvalitativ och kvantitativ natur som består av tre semistrukturerade intervjuer samt efterföljande enkät. Den kvalitativa delen utmynnar i en analys enligt den teoretiska strukturen och kombineras sedan med statistiska analyser av enkätsvaren. Bidrag: Ett antal faktorer som resultatet påvisar bekräftar tidigare forskning: implementationer innebär höga kostnader och investeringar; utbudet av SST inom hotellbranschen är dåligt; gäster föredrar de tekniker de är vana vid; samt att managers har en vänta-och-se attityd till SST. Samtidigt visar studien på att andelen teknologivana människor är stor och att dessa är positivt inställda till SST. Studien bidrar även med nya teoretiska insikter såsom: att premiumhotell förväntas kombinera high-touch med high-tech; att SST upplevs minska hotellens upplevda säkerhet; att inställning till SST inte skiljer sig mellan kön; samt att viss SST upplevs påverka estetiken.

The digital revolution is changing the banking industry, and how banks create value and deliver services to their customers. Customer experience becomes the main pillar of digitally transformed banks through self-service technologies (SSTs) and the use of artificial intelligence (AI); the research focus of this study is to explore the impact of those modern technologies when dealing with sensitive information and emotional encounters in the banking sector. A case study method has been used with an in-depth investigation consisting of both internal and external interviews for Valhalla Bank in Sweden. External interview results presented the debtor’s perspective by laying out the main challenges faced during the repayment process. The study concluded by answering the main research questions and suggesting practical implications for financial institutions. Banks should proactively seek both explicit and latent needs of different customer segments; any customer interaction data has the potential to become the source of optimizing call scheduling, script customization, or customer experience evaluation. Customers expect flexibility to choose between human interaction and self-service technologies. Sensitive topics can be dealt with digital tools when they can provide advanced functionality with maturity to establish trust and security. Lastly, even though the technology is perceived as cold with a lack of empathy, customers are ready to experiment as they are not comfortable nor satisfied with the current interactions. Regardless of the state of the digital journey of a financial institution, customers should be well-informed about technologies while banks prioritize ethical controls to provide transparent relationships in which any type of customer can feel valued. / Den digitala revolutionen förändrar banksektorn och hur banker skapar värde och levererar tjänster till sina kunder. Kundupplevelse blir huvudpelaren för digitalt transformerade banker genom självbetjäning tekniker (SST) och användningen av artificiell intelligens (AI). Forskningsfokus för denna studie är att undersöka effekterna av den moderna tekniken när man hanterar känslig information och känslomässiga möten inom banksektorn. En fallstudiemetod har använts med en djupgående undersökning bestående av både interna och externa intervjuer för Valhalla Bank i Sverige. Externa intervjuresultat presenterade gäldenärens perspektiv genom att redogöra för de största utmaningarna under återbetalning processen. E-bank kanaler och lösningar har dominerat kundernas preferenser med en hoppfull syn på att bygga upp förtroende för relativt ny teknik. Studien avslutades med att besvara de viktigaste forskningsfrågorna och föreslå praktiska konsekvenser för finansinstituten. Banker bör proaktivt söka både tydliga och latenta behov för olika kundsegment, samtidigt som deras mest värdefulla tillgång är kundernas digitala fotavtryck. Alla kundinteraktion data har potential att bli källan till att optimera samtals planering, anpassning av skript eller utvärdering av kundupplevelse. Kunder förväntar sig flexibilitet och frihet att välja mellan mänsklig interaktion och självbetjänings teknik. Känsliga ämnen kan hanteras med digitala verktyg när de kan ge avancerad funktionalitet med mognad för att skapa förtroende och säkerhet. Slutligen, även om tekniken upplevs som ”kall” med brist på empati och känslor, särskilt när det gäller komplexa och känsliga uppgifter som skuldfrågor, är kunderna redo att experimentera eftersom de inte är bekväma eller nöjda med de nuvarande mänskliga interaktionerna. Oavsett tillståndet för en finansiell instituts digitala resa bör kunderna vara välinformerade om ny teknik medan bankerna prioriterar etisk kontroll med detaljerade handlingsplaner för att ge en nära och transparent relation där alla typer av kunder kan känna sig värderade och förstådda.

<p>From having relied on its employees in the interaction with customers, the service industry now move towards an increased adoption of technology to enhance the value of the service</p><p>offering to the customer. This development has also reached the public transport sector which is traditionally seen as low-tech.</p><p>In this study we investigate how the customers experience the use of high-tech supporting services within a low-tech context. The case that is used is the city-bus transport provider Karlstadsbuss who provide a high-tech supporting service called Live, which delivers realtime information on bus departures through a website, a WAPsite, and electronic boards at certain bus stops.</p><p>Focused group interviews were used to get in-dept information from commuters of how they perceive Live. Results show that respondents do not use Live website or WAPsite because the information is not worth the effort of use. Commuters question the service because many</p><p>buses do not run according to the Live-schedule. Still the commuters say they benefit from Live because it contributes alternative ways of finding departure times, and it presents an overview of departure options. However, if the information is in real-time or not is of</p><p>secondary importance.</p>

From having relied on its employees in the interaction with customers, the service industry now move towards an increased adoption of technology to enhance the value of the service offering to the customer. This development has also reached the public transport sector which is traditionally seen as low-tech. In this study we investigate how the customers experience the use of high-tech supporting services within a low-tech context. The case that is used is the city-bus transport provider Karlstadsbuss who provide a high-tech supporting service called Live, which delivers realtime information on bus departures through a website, a WAPsite, and electronic boards at certain bus stops. Focused group interviews were used to get in-dept information from commuters of how they perceive Live. Results show that respondents do not use Live website or WAPsite because the information is not worth the effort of use. Commuters question the service because many buses do not run according to the Live-schedule. Still the commuters say they benefit from Live because it contributes alternative ways of finding departure times, and it presents an overview of departure options. However, if the information is in real-time or not is of secondary importance.

This thesis is based on a case study of an airline’s (Scandinavian Airlines (SAS)) customers’ views on self-service technologies for check-in; mobile check-in, internet check-in, and machine (kiosk) check-in. The first aim of the paper was to find sources of satisfaction and dissatisfaction in the airline industry. A number of critical incidents leading to satisfactory and dissatisfactory experiences have been categorized by using the critical incident technique method based on customers’ recalls of past events. Main sources of satisfaction were the SSTs ability to provide a more efficient service by time savings, avoiding queues and by providing increased customer control. Main sources of dissatisfaction were related to technology failure such as malfunctioning machines, technical design problems and service design problems due to unclear role clarity among customers caused by lack of information and trust in own abilities. Second aim of the study was to identify a number of variables affecting SST channel selection. Qualitative interviews revealed following main variables affecting channel choice: accessibility, awareness, lack of trust, and perceived channel efficiency. Findings have been discussed from the perspective of models used in present research such as the consumer readiness model and trusting intentions model so that future researchers can identify and use valid models for understanding SST channel adoption and satisfaction drivers in the flight industry. Hands on managerial implications are provided in the closing part of the paper. Originality: The thesis show industry specific satisfaction and dissatisfaction causes that differ from previous research. Second contribution is the development and classification of factors in groups that influence the SST channel choice for check-in at airports. Finally the paper shows that none of the current models for use intention can independently be used to fully explain choice of channel.

Developments in information technology and tangible computing facilitate the human’s life by inventing Self Service Technologies SSTs where it changed the way we interact with the environment as well as new technologies did. Nowadays, a lot of new technologies have embodied computer inside such as smartphone and computer tablets. Previous studies in adoption of SSTs research treat customer behavior towards technology based services. However, recent studies recognize that participants have different attitude towards different technologies even if these technologies used to support the same service. Therefore, in our thesis we are going to study the effect of smartphone i.e. iPhone and computer tablets i.e. iPad on adoption of three services of SSTs Internet Banking, Online Shopping and Self Check In Machine at Airports. Is there any hesitation while people adopting with this technology? If yes, why does it happen? Our data were collected by conducting a pilot and empirical study via using quantitative and qualitative approaches. We conducted our study at Umeå, Sweden. The study findings present the effect of adoption through age, family, friends, money, knowledge, using technology in public and private places, mobile technology and computer tablets, and Interface design on adoption SSTs. We found that participants were influenced by new technology for adopting SSTs. Participants did not use Online Shopping as much as they use Internet Banking, especially in the private places. Concerning the Self Check in Machines, participants were differential in which some tend to use it and others did not.

Fashion retail stores are one of the settings where technology innovation is implemented to make the in-store experience more efficient than before. One of the innovations that are becoming increasingly common is self-service checkouts. Generation Z is the upcoming and new buying force for the retailers to target and this is what has been the foundation for the orientation of this thesis. The purpose of the research has been to examine factors that influence Generation Z usage of self-service checkouts in fashion retail stores in Sweden. In order to investigate this, the authors developed six hypotheses from previous research about convenience, time efficiency, attitude towards technology, subjective norms, interaction avoidance and fear of failure. The primary data presented in the chapter for empirical findings were gained through a questionnaire where 384 respondents participated. The data was analyzed in the statistical software program SPSS in order to test the hypotheses. The findings were presented in the analysis chapter where it also was discussed with the literature to be able to identify if there were any similarities or differences. The conclusion of this thesis shows that there are different factors that are influencing Generation Z to use self-service checkouts in fashion retail stores. Convenience emerges as the strongest influencing factor, while fear of failure holds the least influence on Generation Z's intention to utilize self-service checkouts. These findings aim to assist fashion retail companies in understanding the critical considerations when implementing self-service checkouts in-store.

This thesis examines the effects of Culture, the Unified Theory of Acceptance and Use of Technology (UTAUT), Expectation Confirmation Theory (ECT) and Technology Readiness (TR) on the satisfaction and usage continuance intention of Internet banking customers within the Saudi Arabian context. The aim is to develop and test a new framework for use in determining the factors that affect Internet banking customers’ actual usage behaviours, with a special focus on the role of cognitive processes, and cultural and personal psychological traits. This research uses cross-sectional survey questionnaire methods within a quantitative approach. 261 valid responses were received. Structural Equation Modelling (SEM) was used to test the hypothesised relationships within the research model in Analysis of Moment Structures (AMOS 20) software. ECT is well established in conventional marketing literature and explains how cognitive beliefs and affects lead to customers’ repurchasing behaviour. It was first adopted for the Information Systems (IS) context and then customised to explain IS continuance intention behaviour. However, previous ECT customisations in the IS context present a significant knowledge gap because technology-based services are sensitive to individuals’ psychological traits, which ECT does not account for. This research integrates psychological traits and culture into the ECT framework to explain customer satisfaction and continuance intentions in the context of Internet banking usage. It combines ECT with the UTAUT in order to expand ECT to include more cognitive beliefs. Then it integrates TR and Culture to account for psychological and sociological traits. The results present a new contribution to the body of knowledge by validating a theoretically backed integration of the above models into one structural model. This model broadens the understanding of the factors that influence IS satisfaction and usage continuance intention. Compared to previous studies, the explanatory power of this model is a major improvement, with an R2 of (0.61) for usage continuance intention.

This qualitative study investigates how check-in and check-out self-service technology (SST)for hotels affects the hotel experience of young hotel guests. Following study also focuses onevaluating whether the current SST technology meets the expectations of these young guests.As the hospitality industry in Sweden increasingly adopts SST solutions, understanding theperceptions and satisfaction levels of young guests becomes essential for hotels striving toenhance their service quality. The research employs a qualitative approach, utilizingsemi-structured interviews as the primary data collection method. Twenty respondents, agedbetween 20 and 28 years, were interviewed to gain in-depth insights into their experienceswith SST technology for check-in and check-out processes. / Denna studie undersöker hur självserviceteknologi (SST) på hotell i form av in- ochutcheckning påverkar hotellupplevelsen för unga hotellgäster. Studien fokuserar också på attutvärdera om den befintliga SST-teknologin uppfyller förväntningarna hos dessa unga gäster.I takt med att svenska hotellbranschen i större utsträckning börja använda SST-lösningar blirdet viktigt att förstå unga gästers uppfattningar och serviceupplevelser för att hotellen skakunna förbättra sin servicekvalitet. Studien utgår från en kvalitativ metod medsemistrukturerade intervjuer som primär datainsamlingsmetod. Tjugo respondenter i åldern20 till 28 år intervjuades för att få djupgående insikter i deras upplevelser av SST-teknologiför in- och utcheckning på hotell.