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Course of studies
In the past decade the world saw an unprecedented economic boom followed by a similar bust. Most economies are still recovering and some experiencing sluggish growth. Various reasons have surfaced as to the cause of this economic boom. However, this paper explores the build-up of excessive debt as a result of financial development in spurring up the economy. This paper identified that the financial deepening coupled with other macro-economic factors have expanded credit in the economy. All sectors accumulated high levels of debt. As part of this study, an analysis of household debt was carried out, using a dataset of 30 European countries in order to ascertain determinants of debt. The results showed that household debt has a statistically significant positive correlation with Gross Domestic Production per capita and Life Expectancy at Birth. Additionally, Gross Savings and Gross Domestic Savings also had a positive correlation. This paper concludes by submitting that financial development should be reset to what it was best at doing in the first place, that is intermediation of finance so that efficiency of investment can be improved. Hence economic development.
This study aims to deliver a strategic and systematic analysis about the consumer loans banking business with the integration of industry 4.0. Industry 4.0 itself comprise of a lot of things in regards of advance technology being used in order to create more value to the company. The purpose of this study also determine which components of industry 4.0 are suitable and applicable in the consumer loans banking business. This thesis uses secondary data as a primary resource to provide research objective. The secondary data collected through the use of published journal literature as well as the academic literatures. The research starts by providing the general information and literature about the consumer loans banking business and the industry 4.0 as well. Following by the reason why the consumer loans banking business need the technological advancement of industry 4.0. Next, this thesis also gathers the quantitative data related to financial measurement to provide more understanding the consumer loans banking business. The analysis is carry out by using the three level of environmental analysist segmentation in which commonly use for the industry analysis. The first factor is the PEST analysis, it resembling the external factor of the industry, second is the Porter’s five forces to explaining the operating forces within the industry, the third is the value chain analysis. The findings of this thesis pose important implication for bank consumer loans business stakeholders with the purpose to integrate or related to industry 4.0 technological advancement, providing enough information about the keys factor and analysis behind the industry.
Common problems that urbanized areas have to face are an increase in accidents, air and noise pollution, traffic jams, lower road security and reduced available space. The increased amount of carbon emissions (CO2) is creating severe consequences that can be observed in climate change. Smart Mobility can help to put under control and lower the CO2 emissions derived from the transport sector. Thus, the paper investigates the benefits and challenges of Smart Mobility. Then, through a confrontation of two benchmark areas which are successfully adopting Smart Mobility techniques, and the utilization of SWOT and data analysis, it shows that Smart Mobility can effectively lower CO2 emissions from transport. Ultimately, the NEXT-Future Transportation project is proposed as an innovative solution that addresses most of the mobility challenges and incorporates the needs for future transportation.
The thesis emphasizes on the scale of production and waste of plastics, market share of single use plastics and attempts to find alternatives to one of the most problematic single use plastic marine litter items – single use plastic tableware and cutlery. The thesis is further narrowed to one of the Biodegradable tableware and cutlery BIOTREM from Poland that produces single use or disposable tableware and cutlery with the raw materials wheat bran and bioplastics PLA.
A study involved in the internationalization of BIOTREM is carried out based on the guidelines and principles of Global Marketing by Hollensen (2014). The study includes the important steps in internationalization process such as decision whether to internationalize, factors affecting internationalization, internationalization models suitable for BIOTREM.
Germany is considered as a hypothetical target market for the expansion of BIOTREM and the challenges for internationalization to Germany is analyzed with the help of Porter’s Five Force framework and SWOT Analysis. Further, various types of entry modes and factors that would influence the strategy for BIOTREM’s entry into German Market are studied and the suitable options are recommended.
A few recommendations w.r.t elements of marketing mix – product, place and promotions are suggested and also included are the general recommendations regarding company’s website contents. A recommendation is made on new form of crowd funding option – Security Token Offerings (STO’s) for BIOTREM expansion plan.
Finally, it is concluded with enlisting the answers found for the research questions and the message on taking responsibility for single use plastic pollution problem.
The pivotal role of the service industry in the economy is increasing over the last decades, as shown by the significant contribution to the GDP made by travel and tourism. Among the varied range of travel companies, this paper focuses on travel agencies. The objective of the thesis is to find out the key drivers, which lead to the success of European travel agencies and to point out the factors that make them unable to compete and develop sustainably. This paper uses the PESTEL model, Porter’s Five Forces model analysis, flywheel concept and spontaneously conducted interviews with travel and tourism industry experts. A case study approach is adopted. There is also the analysis of the financial statements, business model and strategies of the top 15 world-leading travel agencies to find out the market structures and competitors’ behaviors. From the collected data and examination, three primary factors that lead to the sustainable development of travel agencies and four main factors that decreed the failure were identified. Besides, the research also finds out the answer for the three research questions: technology is the disruptive forces in the travel agency industry, there will be no monopoly in this industry at least in the next medium-term, and the adaptation of a new business model is possible. Finally, the study proposed a sustainable development model for a European travel agency as well as directions for future relevant research.
The German banking landscape is currently undergoing a paradigm shift of an unprecedented magnitude. As the financial world is changing, the future of German banks is highly uncertain. A multitude of present-day driving factors will shape the banking world of tomorrow. Therefore, this thesis aims to investigate and analyze the future of the German banking sector until 2030. The concept of scenario planning serves as underlying method for this research. Based on current factors influencing the German banking sector, the present thesis systematically develops coherent future scenarios. The generation of these scenarios is performed with the help of the scenario software INKA 4. This enables to assess a comprehensive picture of the future environment and the interactions between external influencing factors. Based on the most consistent future scenario, implications for the strategies of German banks are derived. As a result, German incumbents can question their strategic orientation and position themselves optimally for the future.