<p>Date: May 29, 2009</p><p>Course: Master thesis, EFO705</p><p>Authors: Uliana Kovaleva, 830906, Karolina Turbak, 850710</p><p>Tutor: Tobias Eltebrandt</p><p>Title: The Influence of Culture and the Level of Acculturation on the Perceptions of Service Quality among the Customers with Swedish, Polish and Russian Backgrounds.</p><p>Strategic question: How important is the customers’ ethnic background, culture and level of acculturation when choosing a provider of financial services?</p><p>Research questions: If customers with Polish and Russian origin differ in their perceptions of the service quality attributes from Swedish customers, what kind of influence do culture and the level of acculturation have on their perceptions of service quality?</p><p>Method: Apart from secondary data, the questionnaire results were collected as a source of the primary data. The study was conducted using both quantitative and qualitative methods. The questionnaire results were analysed in SPSS by applying T-tests, and the answers for the open-ended questions were analysed additionally.</p><p>Theoretical Framework: The theories which were used include service quality dimensions, Hofstede’s cultural dimensions and the level of acculturation. The results of previous studies addressing the cultural influences on the service quality were applied extensively. The theories were chosen according to the purpose of the study and used in analysis in a comprehensive way.</p><p>Conclusions: According to the study culture and the level of acculturation have influence on the perceptions of service quality. The Polish and Russian customers with the low and medium levels of acculturation have lower overall service quality perceptions compared to the highly acculturated customers with foreign background and Swedish. In particular, the perceptions of assurance and empathy dimensions are significantly different between the studied groups.</p><p> </p> / “The impact of cultural recognition on service‐consumtions among customers in Sweden with foreign background.”

Date: May 29, 2009 Course: Master thesis, EFO705 Authors: Uliana Kovaleva, 830906, Karolina Turbak, 850710 Tutor: Tobias Eltebrandt Title: The Influence of Culture and the Level of Acculturation on the Perceptions of Service Quality among the Customers with Swedish, Polish and Russian Backgrounds. Strategic question: How important is the customers’ ethnic background, culture and level of acculturation when choosing a provider of financial services? Research questions: If customers with Polish and Russian origin differ in their perceptions of the service quality attributes from Swedish customers, what kind of influence do culture and the level of acculturation have on their perceptions of service quality? Method: Apart from secondary data, the questionnaire results were collected as a source of the primary data. The study was conducted using both quantitative and qualitative methods. The questionnaire results were analysed in SPSS by applying T-tests, and the answers for the open-ended questions were analysed additionally. Theoretical Framework: The theories which were used include service quality dimensions, Hofstede’s cultural dimensions and the level of acculturation. The results of previous studies addressing the cultural influences on the service quality were applied extensively. The theories were chosen according to the purpose of the study and used in analysis in a comprehensive way. Conclusions: According to the study culture and the level of acculturation have influence on the perceptions of service quality. The Polish and Russian customers with the low and medium levels of acculturation have lower overall service quality perceptions compared to the highly acculturated customers with foreign background and Swedish. In particular, the perceptions of assurance and empathy dimensions are significantly different between the studied groups. / “The impact of cultural recognition on service‐consumtions among customers in Sweden with foreign background.”

<p> </p><p> </p><p> </p><p>This thesis is a part of a larger collaboration between students during the spring semester of 2009. The aim was to work together in order to collect more data and allow deeper analysis in the specific area chosen by each student-group. The goal was to come up with advice for banks on how to target immigrants in Sweden.</p><p>During this process a common theoretical framework was decided on and a questionnaire was developed. The questionnaire was written in English and later translated to several other languages in order to reach some of the target groups that were not fluent in English.</p><p>The chosen structure of each paper was to write it more like an article than a “traditional” master thesis.</p>

This thesis is a part of a larger collaboration between students during the spring semester of 2009. The aim was to work together in order to collect more data and allow deeper analysis in the specific area chosen by each student-group. The goal was to come up with advice for banks on how to target immigrants in Sweden. During this process a common theoretical framework was decided on and a questionnaire was developed. The questionnaire was written in English and later translated to several other languages in order to reach some of the target groups that were not fluent in English. The chosen structure of each paper was to write it more like an article than a “traditional” master thesis.