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When you know better- You do better: Fallstudier av fyra banker under införandet av amorteringskravet
Linnaeus University, School of Business and Economics, Department of Management Accounting and Logistics.
Linnaeus University, School of Business and Economics, Department of Management Accounting and Logistics.
2016 (English)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
When you know better- You do better : Fallstudier av fyra banker under införandet av amorteringskravet (English)
Abstract [sv]

Bankerna kan ses som motorn i det finansiella systemet, då de har en viktig roll för svensk tillväxt och välfärd, och utan dessa skulle Sverige stanna. Sedan finanskrisen 2008 har banksektorn stramats åt ytterligare och blivit allt mer reglerad. Informationsflöde och beslutsfattande är något som centrala ledningar dagligen arbetar med, dock avser mycket av ledningens arbete sådant som i slutändan berör medarbetare lokalt, vilket förutsätter att kommunikationen förmedlas tydligt.

Syftet med studien är att bidra med kunskap om hur informationsflödet fungerar mellan företagsledning och medarbetare som arbetar nära kund i bankorganisationer under en process då en viktig reglering införs. Studien kommer även att ge kunskaper om vad amorteringskravet kan komma att innebära för de lokala bankrådgivarna i deras dagliga arbete.

För att uppfylla studiens syfte har vi utgått från en abduktiv metod. Studien har antagit en fallstudie, och empirisk data har samlats in genom semistrukturerade intervjuer från tio banktjänstemän. Det empiriska materialet har analyserats genom att sättas i relation till vår referensram, vilket slutligen gjort att studiens syfte uppfyllts.

Studiens resultat visar att lokala bankrådgivare behöver tydlig information och föredrar att informationen kommer via flera kanaler, vilket reducerar tvetydighet och osäkerhet kring hur deras arbetsprocesser ska utföras. Att information når ut till samtliga medarbetare är en förutsättning för att de ska känna trygghet i det egna arbetet, men vem som bär ansvar för att den sprids råder det delade meningar om. En bankrådgivare har idag befogenhet att fatta de flesta beslut som avser deras dagliga arbetsuppgifter. Bankerna har länge förespråkat vikten av amortering och ser positivt på det nya kravet. 

Abstract [en]

The banks can be seen as the engine in the financial system, because they have an important role for Swedish growth and welfare, and without these, Sweden would cease to function. Since the financial crisis 2008, the banking sector has been increasingly tightened and much more regulated. The flow of information and decision making is something that central leadership work with daily, with a lot of work being intended to affect co-workers locally. This requires a clear conveying of communication.

The purpose of this study is to contribute with knowledge on how the flow of information works between company leadership and colleagues that work closely with the costumers during a process in which an important regulation is being introduced. The study will also provide knowledge about the possible impact the amortization requirements will make on the local bank advisors in their daily work.

To complete the purpose of the study, we proceeded with an abductive reasoning. The study has become a case study, and empirical data has been collected through semi- structured interviews from ten bank officials. The empirical material has been analyzed by being compared to our frame of references, which led to the purpose of the study being fulfilled.

The study shows that local bank advisors need clear information and prefers the information to be carried out through multiple channels, because it reduces ambiguity and insecurity about their working procedures. Information reaching out to all co- workers is a fundamental condition for them to be able to feel secure in their own work, but there are no clear answers on whose responsibility it is for making sure these conditions are met. Today, a bank advisor has the authority to make decisions regarding their daily work tasks. The banks have, for a long time, endorsed the importance of amortization and are positive about the new requirement. 

Place, publisher, year, edition, pages
2016. , 76 p.
Series
Louise Svensson
Keyword [en]
flow of information, communication, bank, amortization requirements, local bank advisors, authority, centralization, decentralization
Keyword [sv]
Informationsflöde, kommunikation, bank, amorteringskrav, lokala bankrådgivare, befogenheter, centralisering, decentralisering
National Category
Economics and Business Economics Business Administration
Identifiers
URN: urn:nbn:se:lnu:diva-53757OAI: oai:DiVA.org:lnu-53757DiVA: diva2:938795
Subject / course
Business Administration - Management Accounting
Educational program
Business Administration and Economics Programme, specialization in Accounting and Management Control, 180 credits
Presentation
2016-05-31, Kalmar, 12:02 (Swedish)
Supervisors
Examiners
Available from: 2016-06-17 Created: 2016-06-17 Last updated: 2016-06-17Bibliographically approved

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CiteExportLink to record
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Citation style
  • apa
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Output format
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