This study focuses on the impact of the Fourth Industrial Revolution on the traditional banking industry, specifically in the context of treasury departments. The emergence of new technologies offers significant potential to enhance and automate daily operations, leading to more efficient treasury functions. The objective of this research is to gain a comprehensive understanding of the implementation challenges and opportunities and their effects on treasury operations. Employing a qualitative and interpretivist approach, the study delves into the intricacies of the adoption process, considering various organizational factors. Key findings emphasize the importance of a coordinated effort led by senior executives and involving multiple departments for the successful adoption of Fourth Industrial Revolution technologies. Creating an innovation-driven culture and fostering a willingness to embrace change are vital for effective technology integration. Furthermore, tailoring the digital transformation approach to the specific circumstances and strategic priorities of each organization is essential for treasury departments for staying updated with emerging technologies and optimizing the treasury function. This research offers valuable insights into best practices and strategies for successful technology adoption, serving as a valuable resource for decision-makers. It enables treasury departments to enhance operational efficiencies, make informed strategic decisions, and reduce costs. The study also emphasizes the importance of fostering an innovation culture and continuously improving practices to effectively adapt to emerging technologies. By doing so, treasury operations can ensure long-term resilience in the dynamic banking industry

The aim of this thesis is to analyze the role that environmental technology plays in the solution of environmental problems in cities, and discuss models and conditions that can facilitate the processes of selection, implementation and use of environmental technologies in and by cities. The technological component is perhaps one of the most important characteristics of modern cities. The dependence of humans on technology is in most cases a given, something that is not ignored in the sustainability debate. The development and implementation of new, “better” technologies is however hindered by the inertia that modern societies have and the influence of the dominant systems (e.g. economic systems based on growth, extraction of natural resources and environmental disturbance). So-called environmental technologies are not always able to efficiently compete against other technologies that are embedded in societies by lock-in mechanisms, e.g. learning by doing and using, scale economies, subsidies, and network externalities. Even with the “right” technologies, an exclusively techno-centered approach to sustainability can result in other problems, and it might reduce the sustainability debate and the cities’ role in it to discussions of an administrative nature. The actual role of local actors and their agency must be also considered in the models and frameworks directed at understanding sustainability transition processes. It is thus important to analyze the dynamics of technology selection, implementation, use and diffusion in cities from a stakeholders’ perspective as well. Not only is the availability of technology of interest for understanding the impact it has on the environment, but also the intensity of its use. This has resulted in increased attention from politicians and scholars on the so-called global cities (e.g. London, New York, Tokyo), which are characterized by their intense use of e.g. transport, security and surveillance, and information and communication. Paradigmatic models of sustainability can however be contested when the role of local actors, power and agency are considered in detail and not isolated from the context. Some authors recognize the need to address what they call “ordinary cities”, since focusing on the cities’ comparative level of development (be it political, economic or technological) hinders the possibility of bidirectional learning. In the end, sustainability is a “collective good,” which means that it is in everyone’s interest to coordinate efforts and learn from the best practices, regardless of where they come from. This thesis focuses on “ordinary cities,” and promises to offer conclusions that can contribute to a better understanding of how societies can learn from each other and how environmental technologies can have deeper and better results when implemented in different contexts than the ones where they were developed. Two questions related to the process of environmental-technology adaptation are addressed in this thesis: How do technology adaptation processes for the solution of urban environmental problems take place in cities? And how do cities benefit from environmental technologies? It is found that environmental technology is not only seen as a solution to environmental problems in cities, but every day more as a component of strategies to attract attention and compete for resources in national and international markets. Cities have different adaptation and learning strategies. This means that technological solutions have to be flexible and adaptive to local conditions, and allow for vernacular knowledge and past experiences to enrich their performance by facilitating their connection to existing systems. Learning between cities is important and necessary for global sustainability transitions. When it comes to environmental technology, this process is facilitated by strong proof-of-concept projects. Such projects are not only expected to be able to show their technical ability to solve a problem, but must also offer contextual connections to the problems faced by interested cities or potential implementers.

Vi befinner oss i en transformation där elcykeln tillför en ny dimension av mobilitet. Samtidigt sker ett teknologiskifte där Internet of Things (IoT) möjliggör uppkoppling av produkter till varandra och från produkt till människa, på ett sätt som tillför nya värden. Elcykeln är inget undantag. Med IoT blir elcykeln intelligent; den smarta elcykeln är här. Smarta elcyklar är nytt på den svenska marknaden. För att förstå hur affärsmodeller och betalningsmodeller kan skapas kring denna nya produkt undersöks inställning till, och drivkrafter för, den smarta elcykeln. Vidare prövas inställningen till olika betalningsmodeller.Resultaten visar att elcykelcyklisten är intresserad av att skaffa sig en smart elcykel och helst vill man betala hela beloppet direkt vid köpet, även om man är öppen för alternativa betalformer som bygger på cykeln som tjänst.I arbetet konstateras att det finns samband mellan teknikintresse och inställningen till smarta elcyklar liksom samband mellan inställning till olika betalningsmodeller och inställning till den smarta elcykeln.Arbetet utgör en grund för vidare forskning kring den smarta elcykeln och affärsmodeller baserade på elcyklar uppkopplade genom IoT.

International business relationships have been widely researched over the last three decades. Themajor attention of these studies, no matter what their theoretical perspective, concerns the MNCs inthe less developing countries (LDCs). Studies that illustrate how firms in LDCs behave regardinginteraction with MNCs are slim. Therefore, this study focuses on firms in LDCs, namely Libyan firms,and their relationships with MNCs. The study reflects not only on the relationships between the localfirms with MNCs but also the impacts of other interrelated business and non-business units on theserelationships. The study employs business network theory for industrial marketing and develops amodel applicable for studying such a market.The empirical study employs a survey method which examines 60 Libyan firms’ relationships withforeign suppliers containing more than 300 questions. In the empirical part, the study shows that therelationships like technological adaptation, technological cooperation and information exchange wereawarded low values. The measures on the other hand show a high value of impact from the politicalactors and even activities in the contextual environment. The study shows in detail where and howthe political actions influence business relationships. These impacts from the local environment affectlocal firms more than the foreign suppliers, and thus have some bearing on the MNCs and local firms’relationship weaknesses and strengths.The thesis’ conceptual contribution stands on development of new notions in business network theoryby integration of the contextual environment, in other words, network environment, and examinationof their impact on the strength of the focal business relationship. The study further contributesknowledge, not only for firms and politicians in LDCs to understand the consequence of their actions,but also provides deep information for MNCs to understand issues like why firms in LDCs behave ina specific way. Such understandings facilitate the development of cooperation. The study providesinformation about a number of characteristics which are specific for the business networks of such amarket which is dependent on only one resource like oil. While most studies in the field ofinternational business regard the business activities of MNCs, more research is needed to also observethe behaviour of firms from LDCs to gain deeper knowledge on the relationship between the MNCsand local firms from LDCs. The role of political actors and the influence of dependency on one soletype of resources and aspects like change in the prices of this resource seem to be important, but arequite neglected in research in international business.

M-PESA (a mobile banking service in Kenya) was introduced to offer a person-to-person money transfer service. Its extensive adoption and appropriation for purposes other than person-to-person transfers has influenced the technology providers (Safaricom) to widen their services beyond their original intentions. M-PESA provides a wide range of financial services including services for people who were previously unbanked. Users of M-PESA can now pay different utilities, those without credit cards can purchase products online, others can repay loans to microfinance institutions, pay insurance premiums, withdraw money from ATMs, use it as Point of Sale Payment and open savings accounts. This research examines the existence of “bi-directional” influences between technology and society by taking M-PESA business users as a case. It specifically investigates how M-PESA as a technology has influenced the business environment in Kenya and how the design of M-PESA has in turn been influenced by its adoption. The research adopts the Adaptive Structuration Theory as the theoretical framework and interpretive case study research as a methodological approach. Interviews with different stakeholders in the industry were used to collect data. Data was analyzed using Diachronic Analysis. The results of the research show that there is a “bi-directional” influence between technology and people as they affect each other over time. Mobile technologies shape the way businesses operate, allowing them to provide new services and improve existing ones. At the same time, usage and adoption trends affect the design of mobile technologies. Over time, technology is adapted to accommodate the new needs of businesses and other needs in the wider community. This research shows that the impact of technology depends not only on its functionality but also on its use and appropriation in society. / Dissertation (MCom)--University of Pretoria, 2011. / Informatics / unrestricted

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