The purpose of this thesis is to investigate how Western Canadian wheat producers’ make their marketing decisions. In Canada, wheat, durum wheat, and barley produced for human consumption and export are marketed through the Canadian Wheat Board (CWB), which offers several marketing contracts providing distinct combinations of risk, return, and cash flow. Pool pricing is the default alternative in which the CWB markets grain for producers, while Producer Payment Options (PPOs) represent instruments producers can use to price their wheat outside the pool. Results suggest that generally producers are not able to identify profit opportunities with PPOs, but active marketing strategies tend to generate better performance compared to passive strategies. Further, producers do not seem to repeat the same strategy every year and are influenced by previous performance when choosing their current marketing strategy. Finally, producers seem to follow price signals in choosing marketing contracts, indicating they track market movements and respond to the incentive of locking in higher prices.

The purpose of this thesis is to investigate how Western Canadian wheat producers’ make their marketing decisions. In Canada, wheat, durum wheat, and barley produced for human consumption and export are marketed through the Canadian Wheat Board (CWB), which offers several marketing contracts providing distinct combinations of risk, return, and cash flow. Pool pricing is the default alternative in which the CWB markets grain for producers, while Producer Payment Options (PPOs) represent instruments producers can use to price their wheat outside the pool. Results suggest that generally producers are not able to identify profit opportunities with PPOs, but active marketing strategies tend to generate better performance compared to passive strategies. Further, producers do not seem to repeat the same strategy every year and are influenced by previous performance when choosing their current marketing strategy. Finally, producers seem to follow price signals in choosing marketing contracts, indicating they track market movements and respond to the incentive of locking in higher prices.

Internet är en del av vardagslivet och har fått ett stort inflytande på hur människor idag lever sina liv. E-handeln är en del av helheten som bidragit till förändringar i konsumenternas beteende; hur de handlar och söker information. Företagen utformar sin strategi utefter detta för att kunna hantera olika moment i köpprocessen. Resultatet av ovan nämnda förändringar är tillkomsten av nya tjänster samt förändringar i användningen av sociala medier och andra marknadsföringskanaler, både från kunders- och företags perspektiv.Sociala medier används idag i stor utsträckning och företag försöker marknadsföra sig genom dessa kanaler för att nå sina befintliga och potentiella kunder. Den typen av marknadsföring uppskattas inte alltid av alla kunder och ställer då krav på företagen att de använder sig av de sociala medierna på ett gynnande vis för alla parter. Annars finns risken att det kan leda till motsatta effekter än det önskade resultatet.Tidigare forskning från olika länder och tidsperioder finns kring ämnet. Det saknas relevanta resultat kopplade till den svenska marknaden och dess kunder därför motiverade det oss att söka skillnader från tidigare forskning jämfört med den svenska marknaden.De svenska e-handlarna har visat sig vara framgångsrika i sin riskhantering jämfört med andra länder, och arbetar ständigt med förbättringar. Dock finns alltid vissa hinder kvar som bör övervinnas för att kunderna ska motiveras att handla online i större utsträckning och för att e-handeln ska stärka sin position i konkurrensen mot de fysiska butikerna.I uppsatsen har en kvalitativ metod används motiverad med att en förståelse om hur risker vid online handel upplevs och hanteras vill uppnås. Resultatet visade att kundrespondenterna inte upplever handel online som riskabel samt att företagen samtidigt gör bra kartläggningar av eventuella hinder vid köp online för att öka kundernas förtroende för dem.

Digitalization includes a technical and digital development that plays a central role in today's banking sector. In step with digitalization, FinTech has developed and resulted in a collaboration between banks and FinTech companies, which leads to the development of new digital payment options within the banks. Digital payment options have grown in the banking sector and are widely used against customers in various ways. Along with the introduction of digital payment options, and a collaboration between banks and FinTech companies, challenges and risks have also developed. With this as a basis, the study intends to analyze how the Swedish banks handle digital payment alternatives, in relation to the challenges and risks that arise as a result of the banks' collaboration with FinTech companies. The study uses an abductive approach and the empirical answers are based on in-depth interviews, which results in a qualitative study. The study has focused on both large banks and other newly developed banks, with the aim of reaching large parts of the banking sector. The study has identified that the development of FinTech, digital payment options, risks and challenges do not differ broadly between the different banks. All respondents highlight how they experienced cyber attacks, data leakage and human errors. Furthermore, different management strategies have been highlighted for the challenges and risks that arise, many of the responses being mutually reinforcing while others are more unique. The study shows how the banks' management strategies are based on technical and organizational improvements. Different management strategies that the study can highlight are training, authorization levels, monitoring systems and the employment of hackers. The study has contributed with several aspects that explain the management strategies in more detail and contributes with new research on the cooperation between banks and FinTech companies.