Increasing climate awareness, the Paris Agreement urging institutions to enable the economic transition toward sustainability and the looming possibility of environmental regulations are challenges facing the banking sector today. This study however chooses to see opportunities in a changing retail banking environment, investigating what green banking products customers want their bank to provide and how the introduction of green banking product might impact customer loyalty. The research was conducted through a mixed-method approach consisting of both quantitative and qualitative elements during the time-period of January to June 2019. 504 individuals engaged in the survey conducted and their answers were both analysed through the development of a customer loyalty framework and with theoretical support from the literature gathered. The results indicated a positive attitude towards green banking products while also not showing a clear preference or desirability for a specific product. Additionally, this study found a positive relationship between the introduction of green banking products and increased customer loyalty. The study concluded that green banking products suggestively have an advantageous position in the evolving financial sector, more specifically in a number of years. / Ökande klimatmedvetenhet, Parisavtalet som uppmuntrar institutioner att möjliggöra en ekonomisk övergång till hållbarhet och hägrande möjligheter till tuffare miljöregler, är utmaningar som banksektorn står inför idag. Denna studie väljer emellertid att se möjligheter i en förändrad bankmiljö, genom att undersöka vilka gröna bankprodukter kunderna vill att deras bank ska tillhandahålla och hur införandet av gröna bank-produkter kan påverka kundlojalitet. Undersökningen genomfördes genom en mixed-method approach som bestod av både kvantitativa och kvalitativa element under perioden januarijuni 2019. 504 personer deltog i undersökningen som genomfördes och deras svar analyserades både genom utvecklingen av ett ramverk för kundlojalitet och med teoretiskt stöd från den samlade litteraturen. Resultaten indikerar en positiv inställning till gröna bankprodukter, men visar inte heller en tydlig preferens eller önskemål om en viss produkt. Dessutom fann denna studie ett positivt förhållande mellan introduktionen av gröna bankprodukter och ökad kundlojalitet. Undersökningen drog slutsatsen att gröna bankprodukter sannolikt har en fördelaktig position inom den utvecklande finanssektorn, mer specifikt inom ett antal år.

Customer-oriented processes are essential to achieve customer satisfaction. This research describes the application of the concepts of Relationship Marketing as a starting point in the process of developing new services in a telecommunications service provider in Spain. In the quest to increase customer satisfaction, this paper seeks to understand whether the structure of internal processes is the most suitable to channel customer requirements using relationship marketing philosophy but in order to use a systematics tool and a robust method; DMAIC methodology of Six Sigma is applied. Previous researches have contemplated the used of Six Sigma methodologies within manufacturing industries, while this research tries to explore a unique niche by shifting from a production approach, to a service-process, where few researches are found. The scientific research is initiated with the exploration of New Service Development (NSD) processes in the company allowing the preparation of As-Is process maps. Two ways or scenarios are identified for developing new services in the company; the first one where “Standard Services” are developed and proposed by the company, while in the second scenario, services born from a specific customer requirement and known as “Special Projects”. The collection of the Voice of the customer (VOC) identifies 13 criteria that are essential for purchasing, making possible to compare the linkage between internal activities with customer requirements. In a final stage the methodology proposed is validated with a service within the company portfolio. Significant contributions of this research are presented through the framework proposed so as to measure the performance gaps within the services provided by company, regardless of their lifecycle stage, which can also be extrapolated to other businesses of the group. Moreover it provides an understanding on the impact of each process activities in a specific requirement highlighting the most Critical to Quality (CTQ) activities and proposing improvement opportunities.

The financial sector, as we know it, is radically transforming. As a result of the European regulation PSD2, customers banking data is becoming available for third parties by APIs [Evry n.d]. The traditional banks are now being exposed to competition from FinTechs and BigTech [Evry 2017]. The transformation is on-going and to the tunes of to new technologies, new regulations and new customer demands [Tornjanski et al. 2015]. This study aimed to identify the nature and behavior of the trend leaders, Generation Y (18 to 30 years old), and in the context of open banking, diagnose the transformation of banking services to meet new digital needs.To achieve this, a sequential embedded explanatory methodology was applied. The quantitative phase, identified and generalized the behaviors of Generation Y. The qualitative phase was exploratory, where multiple focus groups (38 individuals) developed the future banking services they request and want. This was analyzed based on Business Model Canvas [Osterwalder and Pigneur 2010] and a new service development framework for customer co-creation [Ozdemir, Trott, and Hoecht 2007]. The results imply that Generation Y, abide to be courted on their conditions and on-demand. They request a further expansion of the banks operational context, to supply with open banking platforms including both financial- and non-financial services. Hence, to meet these requests and remain the primary financial service provider the future banking services most transform into becoming digitally personalized and to seamlessly assist in everyday life. / Finanssektorn, som vi känner till den, förändras radikalt. Som ett resultat av den europeiska förordningen PSD2 blir kundernas bankdata tillgängliga för tredjepartsaktörer via API:er [Evry n.d]. De traditionella bankerna utsätts nu för konkurrens från FinTechs och BigTechs [Evry 2017]. Transformationen pågår och möjliggör för ny teknik, nya regler och nya kundkrav [Tornjanski et al. 2015]. Denna studie syftar till att identifiera trendledarna, Generation Ys (18 till 30 år) natur och beteenden, och inom ramen för open banking, diagnostisera omvandlingen av banktjänsterför att möta nya digitala behov. För att uppnå detta tillämpades en sekventiell inbäddad förklarande metodik. Den kvantitativa fasen identifierade och generaliserade Generations Y: s beteende. Den kvalitativa fasen var undersökande, där flera fokusgrupper (38 individer) utvecklade de framtida banktjänster som de efterfrågar och vill ha. Detta analyserades utifrån Business Model Canvas [Osterwalder and Pigneur 2010] och ett ramverk för utveckling av ny tjänster genom kundsamverkan [Ozdemir, Trott, and Hoecht 2007]. Resultaten påvisar att Generation Y förväntar sig att bli betjänade på sina villkor och begäran. De efterfrågar en framtida expansion av bankernas operativa kontext, till att förmedla öppna plattformar som inkluderar både finansiella och icke-finansiella tjänster. För att möta efterfrågan och förbli den primära finansiella tjänsteleverantören, måste de framtida banktjänsterna transformeras till att bli mer digitala och personanpassade hjälpmedel i vardagen.

Manufacturing companies have begun developing Product Service Systems to provide customers with enhanced product-service offerings. Transitioning to a service-oriented development process allows companies to restructure risks, responsibilities, and costs normally associated with owning products. They potentially allow companies to sell products through different channels and offer additional elements of differentiation to their competitors. However, PSS comes with a lot of challenges that manufacturing companies have struggled to overcome. Some of these challenges include switching away from traditional hardware-focused mindset and the service manufacturing paradox. This thesis focused on challenges regarding integrating services within product development processes. A Swedish manufacturing company was considered as the primary case study for investigation. 14 people from different functions were interviewed. The investigation revealed 17 challenges categorized into five main themes. These themes were lack of clear company messaging regarding services, immature service development process, sub-optimal division of tasks and responsibilities, resources issues, and lack of integration in processes. Additionally, three external companies were interviewed to investigate their service maturity level and how they were able to overcome common challenges in service integration. Based on the insights gained from both internal and external interviews three solutions were created. These solutions are new roles and updated responsibilities, a new integrated service process, and a Product-Service Readiness Level chart. Future considerations for the investigated company were also submitted to provide a guide for further development of these solutions. / Tillverkningsföretag har börjat utveckla produktservicesystem för att ge kunderna förbättrade produkttjänster. Övergången till en tjänsteorienterad utvecklingsprocess tillåter företag att omstrukturera risker, ansvar och kostnader som normalt är förknippade med att äga produkter. De tillåter potentiellt företag att sälja produkter genom olika kanaler och erbjuder ytterligare inslag av differentiering till sina konkurrenter. Men PSS kommer med många utmaningar som tillverkande företag har kämpat för att övervinna. Några av dessa utmaningar inkluderar att byta bort från traditionella hårdvarufokuserade tänkesätt och tjänstetillverkningsparadoxen. Detta examensarbete fokuserade på utmaningar när det gäller att integrera tjänster i produktutvecklingsprocesser. Ett svenskt tillverkningsföretag ansågs vara den primära fallstudien för utredning. 14 personer från olika funktioner intervjuades. Undersökningen avslöjade 17 utmaningar kategoriserade i fem huvudteman. Dessa teman var brist på tydliga företagsmeddelanden om tjänster, omogen tjänsteutvecklingsprocess, suboptimal fördelning av uppgifter och ansvar, resursfrågor och bristande integration i processer. Dessutom intervjuades tre externa företag för att undersöka deras mognadsnivå för tjänster och hur de kunde övervinna vanliga utmaningar inom tjänsteintegration. Baserat på insikterna från både interna och externa intervjuer skapades tre lösningar. Dessa lösningar är nya roller och uppdaterade ansvarsområden, en ny integrerad serviceprocess och ett diagram för produkt-tjänstberedskapsnivå. Framtida överväganden för det undersökta företaget lämnades också in för att ge vägledning för vidareutveckling av dessa lösningar.

Research has indicated that offering support and services for people who experience mental health problems and their families is a complex and contested area. Despite the controversies surrounding therapeutic interventions with families, it has now been recognised that relatives and other supporters of people with mental health problems should be included in their care. Whole- family interventions and partnership working with carers and families is now central to secondary care UK mental health policies and clinical practice guidelines. However, for many families/ carers this remains an aspiration rather than a reality. The way in which we successfully developed family focused mental health practice, as well as specialist family interventions (FI) for people who have been given a diagnosis of psychosis, has therefore aroused considerable interest. The Somerset Partnership NHS Foundation Trust has adopted a Strategy to Enhance Working Partnerships with Carers and Families, developed best practice guidance and has established two complementary workforce development projects - the development of specialist family intervention services and the widespread training of mental health staff to create a ‘triangle of care’ with service users and their families. This has resulted in widespread adoption of systemically informed, ‘whole-family’ practice. In response to the widespread difficulties experienced following other staff- training initiatives we developed specialist family interventions (FI) services by means of an innovative one-year course delivered in partnership with Plymouth University. This training initiative has been widely acknowledged for its novel integration of psycho-educational and systemic approaches and the effective in-situ, multi-disciplinary service development model. An advantage of this approach is that by the end of the course a local FI Service has been established and staff experience fewer difficulties in applying their new skills than people trained in other programmes. We then ensure the continued development of clinical skills by means of a service structure that emphasises on-going supervision. Regular audits of the service and in-depth research studies clearly indicate that the service is effective and highly valued by users. Our ‘cognitive-interactional’ approach, which integrates systemic therapy with psychosocial interventions (individual- and family-CBT) within a collaborative therapeutic relationship, enables us to meet the needs of families in a flexible, tailored manner. The FI teams are able to deliver early interventions for people with first episode psychosis, as well as meeting the NICE guidelines for people with longstanding symptoms. Recognising that many families do not require formal family interventions/ therapy, we also have been designing ‘stepped-care’ family intervention services. We have developed, and extensively evaluated, short training packages to enhance working partnerships with families throughout our mental health services. We have used this three-day package to train a range of community and inpatient teams. We have also encouraged family- inclusive practice with the establishment of a trustwide steering group, practice guidelines and the establishment of ‘family liaison’ posts to facilitate family meetings on inpatient units, as part of the assessment process. Both training initiatives explicitly focus on developing systemic thinking, by integrating CBT and systemic therapy. The involvement of families/ carers in the design and delivery of both training initiatives is also crucial.

Ces travaux sont du domaine de génie systèmes industriels et l'ingénierie de l'innovation. Ils se sont déroulés dans l'industrie de services financiers au sein du groupe de banque-assurance Groupama. Les services représentent 64% de PIB mondial. Le secteur employait en 2007 en France près de 20 millions de personnes contre 5 millions pour l'industrie. Pourtant la recherche sur les processus d'innovation présente un déséquilibre avec un article scientifique NSD (new service development) pour quatre NPD (new product development). L'objectif de ces travaux est de proposer une méthode de pilotage des projets d'innovation dans les services. Pour formaliser le pilotage d'innovation dans les services tout en préservant la zone de liberté nécessaire à l'innovation, nous sommes basés sur un formalisme de type NPD pour définir un processus NSD qui respecte la flexibilité spécifique de l'innovation dans les services. Le coeur de notre hypothèse a été d'identifier des invariants de processus NSD. Nous proposons six classes d'invariants : les OICs (Objets Intermédiaires de Conception), les ressources, les compétences, les tâches, les indicateurs et les méthodes. Leurs interactions sont rendues dans un Diagramme de Classes UML. Un projet peut être décrit comme une « somme » d'OIC eux-mêmes résultat de l'agencement des 5 autres invariants. Ces six classes d'invariants ont été validées sur projets de Groupama. Elles permettent de décrire, suivre, capitaliser, réutiliser des savoirs acquis sur des projets antérieurs et de manager les projets innovants. Nous proposons aussi un processus de pilotage des projets NSD, formalisé par un Diagramme d'Ordonnancement des Phases sous MEGA / The present thesis is about the field of system engineering and innovation engineering. It took place in the financial industry within the group of banking insurance Groupama. Services represent 64% of world's GDP (Gross Domestic Product). This branch employed in 2007 in France about 20 million people against 5 million for industry. Still the research on the innovation processes presents a gap with only one NSD (new services development) article against four NPD (new products development). The aim of this work is to propose a method for management of innovation projects in the services branch. To formalize the management of innovation projects for the services, while preserving the space required for innovation, we use a NPD's type formalism in order to define a NSD process while respecting the specific flexibility of the innovation in the services branch. The center of our hypothesis was to identify invariants within the NSD process. We propose six classes of invariants: IDOs (Intermediate Design Objects), the resources, the skills, the tasks, the indicators and the methods. Theirs interactions are shown in a UML Diagram of Classes. A project may be represented as an "addition" of IDOs, where they are the result of 5 other invariants arrangements. These six classes of invariants were validated on Groupama projects. They are relevant to describe, monitoring, capitalize, re-use of the knowledge acquired on previous projects and to manage innovative projects as well. We also propose a process of piloting of the NSD projects, formalized by a Diagram of Phases Sequencing of MEGA

<p>När företag ska utveckla produkter och tjänster behöver de informationsunderlag om kunder och användare. Traditionella marknadsundersökningar kräver ett rationellt förhållningssätt och avslöjar åsikter och attityder, men uppvisar brister när det kommer till att upptäcka omedvetna behov hos användare. Lösningen på denna problematik är att observera användare i deras egen kontext, ett tillvägagångssätt som är vanligt bland industridesigners.</p><p>Syftet med studien var att jämföra hur industridesigners och marknadsförare arbetar för att samla in information om användare i samband med produkt- och tjänsteutveckling. Därefter syftade studien till att ställa dessa likheter och skillnader i kontrast till tre teorier: Marketing Research Process, Design Thinking samt Empathic Design. Tre intervjuer genomfördes med tre olika företag: ett industridesignföretag, ett marknadsundersökningsföretag samt ett tjänstedesignföretag.</p><p>Studien resulterade i ett antal slutsatser. Den första är att ett rationellt förhållningssätt inte nödvändigtvis är någonting negativt utan snarare något positivt och elementärt. Tillämpningen måste dock ske på rätt sätt parallellt under produktutvecklingsprocessen, för att verifiera att den framtagna produkten eller tjänsten faktiskt fyller ett konsumentbehov på marknaden. Ytterligare en slutsats är att metoder och tekniker som ses som typiska för designers även tillämpas och nyttjas av ett traditionellt marknadsundersökningsföretag. Saknas dessa typer av kompetenser inom företaget hyrs designers in som experter.</p><p>Alla de undersökta företagen, inklusive det renodlade marknadsundersökningsföretaget, använde sig av observationsmetoder där de observerade användare i deras egen kontext, samtidigt som de interagerade med produkten eller tjänsten. De hade således lyckats ta sig runt problematiken med att upptäcka de dolda omedvetna behoven. </p><p>Likheterna mellan de två olika professionerna har varit mer utmärkande än skillnaderna, och den övergripande slutsatsen blir således att verkligheten har kommit ifatt den teoretiska diskussionen. Marknadsförare och industridesigners arbetar mer lika än olika.</p>

<p>When duties are documented, new ideas are often created regarding how the work should be carried out. Writing is an important source of development, but unfortunately the possibilities are limited when it comes to transferring new ways of thinking to personnel. As with organizational change in general, employees tend to neglect new instructions. On the basis of their personal ways of thinking, they might find that the new order is incorrect, requires more resources, lacks contact with reality, or cannot be understood. The people who have prepared the new directives think they are surely justified and easy to understand. In their eyes, those who stick to what used to be correct and reasonable seem resistant to change.</p><p>The aim of this dissertation is to understand the influence of self-assessment on service cognition and to propose how this influence can be utilized to attain strategic aims. The term self-assessment refers here to the activity whereby employees, in a structured manner, collectively assess and document their own instructions. The concept of service cognition refers to individual employee’s conceptions on how to carry out their own tasks, on how colleagues carry out theirs, and on connections between activities in the common workflow. The object of study is self-assessment as business process modeling at the local offices of the Swedish Employment Service.</p><p>What is explored is the crass but fruitful understanding that new ways of thinking more easily arise among those who define organizational design than among those who are expected to change. Using socio-cognitive theory as well as longitudinal and extensive action research, the reasons are investigated behind the inevitable development of units which are trusted to write their own instructions and, in so doing, start to talk about the way work is done. Despite the independence needed to coordinate by consensus, it seems that the collective mind thereby induced actually enhances opportunities for central control and change: Units designing their own routines surely become better coordinated, but also more controllable and adaptive to strategic change. Furthermore, some principles are presented to support self-assessment regarding organization and change.</p>

När företag ska utveckla produkter och tjänster behöver de informationsunderlag om kunder och användare. Traditionella marknadsundersökningar kräver ett rationellt förhållningssätt och avslöjar åsikter och attityder, men uppvisar brister när det kommer till att upptäcka omedvetna behov hos användare. Lösningen på denna problematik är att observera användare i deras egen kontext, ett tillvägagångssätt som är vanligt bland industridesigners. Syftet med studien var att jämföra hur industridesigners och marknadsförare arbetar för att samla in information om användare i samband med produkt- och tjänsteutveckling. Därefter syftade studien till att ställa dessa likheter och skillnader i kontrast till tre teorier: Marketing Research Process, Design Thinking samt Empathic Design. Tre intervjuer genomfördes med tre olika företag: ett industridesignföretag, ett marknadsundersökningsföretag samt ett tjänstedesignföretag. Studien resulterade i ett antal slutsatser. Den första är att ett rationellt förhållningssätt inte nödvändigtvis är någonting negativt utan snarare något positivt och elementärt. Tillämpningen måste dock ske på rätt sätt parallellt under produktutvecklingsprocessen, för att verifiera att den framtagna produkten eller tjänsten faktiskt fyller ett konsumentbehov på marknaden. Ytterligare en slutsats är att metoder och tekniker som ses som typiska för designers även tillämpas och nyttjas av ett traditionellt marknadsundersökningsföretag. Saknas dessa typer av kompetenser inom företaget hyrs designers in som experter. Alla de undersökta företagen, inklusive det renodlade marknadsundersökningsföretaget, använde sig av observationsmetoder där de observerade användare i deras egen kontext, samtidigt som de interagerade med produkten eller tjänsten. De hade således lyckats ta sig runt problematiken med att upptäcka de dolda omedvetna behoven.  Likheterna mellan de två olika professionerna har varit mer utmärkande än skillnaderna, och den övergripande slutsatsen blir således att verkligheten har kommit ifatt den teoretiska diskussionen. Marknadsförare och industridesigners arbetar mer lika än olika.

When duties are documented, new ideas are often created regarding how the work should be carried out. Writing is an important source of development, but unfortunately the possibilities are limited when it comes to transferring new ways of thinking to personnel. As with organizational change in general, employees tend to neglect new instructions. On the basis of their personal ways of thinking, they might find that the new order is incorrect, requires more resources, lacks contact with reality, or cannot be understood. The people who have prepared the new directives think they are surely justified and easy to understand. In their eyes, those who stick to what used to be correct and reasonable seem resistant to change. The aim of this dissertation is to understand the influence of self-assessment on service cognition and to propose how this influence can be utilized to attain strategic aims. The term self-assessment refers here to the activity whereby employees, in a structured manner, collectively assess and document their own instructions. The concept of service cognition refers to individual employee’s conceptions on how to carry out their own tasks, on how colleagues carry out theirs, and on connections between activities in the common workflow. The object of study is self-assessment as business process modeling at the local offices of the Swedish Employment Service. What is explored is the crass but fruitful understanding that new ways of thinking more easily arise among those who define organizational design than among those who are expected to change. Using socio-cognitive theory as well as longitudinal and extensive action research, the reasons are investigated behind the inevitable development of units which are trusted to write their own instructions and, in so doing, start to talk about the way work is done. Despite the independence needed to coordinate by consensus, it seems that the collective mind thereby induced actually enhances opportunities for central control and change: Units designing their own routines surely become better coordinated, but also more controllable and adaptive to strategic change. Furthermore, some principles are presented to support self-assessment regarding organization and change.