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  • 1.
    Berggren, Björn
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Banking and Finance.
    Hullgren, Maria
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Building and Real Estate Economics.
    Söderberg, Ingalill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Banking and Finance.
    Housing finance in Sweden: The development of local PPP-solutions and the role of savings banks2015Conference paper (Refereed)
  • 2.
    Carlsson Kanyama, Karin
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Sustainable development, Environmental science and Engineering, Strategic Sustainability Studies.
    Wester, Misse
    LTH, Div Risk Management & Societal Safety, Lund, Sweden..
    Snickare, Lotta
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    Climate change mitigation efforts among transportation and manufacturing companies: The current state of efforts in Sweden according to available documentation2018In: Journal of Cleaner Production, ISSN 0959-6526, E-ISSN 1879-1786, Vol. 196, p. 588-593Article in journal (Refereed)
    Abstract [en]

    Globally, transportation and manufacturing emit large amount of greenhouse gases that needs to be lowered for reaching agreed upon slim ate goals. In this context evidence of mitigation activities among eighty-five companies and their forty-five parent companies in these two polluting sectors were traced focusing on a country that has committed itself to leading the implementation of ambitious climate mitigation goals worldwide. Documentation from the companies in the transportation and manufacturing sectors was scrutinized (yearly reports, homepages and sustainability reports, if available) for evidence of any mitigation efforts, including emissions reporting and reduction goals. The study's results found that two thirds of the companies seemed to have done nothing to mitigate climate change, while efforts in the remaining companies were modest at best; mitigation activities among the forty-five parent companies were only slightly more ambitious. The implications of these depressing findings are discussed in the light of possible caveats and the possibilities of new policy measures such as gender quotas in company boards. The conclusion is that the study's results most likely reflect reality in the studied sectors and that novel approaches and more sector oriented research is needed in the quest for a carbon-neutral society..

  • 3.
    Eriksson, Kent
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Customers ’ ways of making sense of a financial service relationship through intersubjective mirroring of others2010In: Journal of Financial Services Marketing, ISSN 1363-0539, E-ISSN 1479-1846, Vol. 15, no 2, p. 99-111Article in journal (Refereed)
    Abstract [en]

    The importance of relationships between buyer and sellers in marketingresearch is well established. This study contributes to relationship marketing (RM)research as it examines the microfoundations of fi nancial service buyer and sellerrelationships. The study uses intersubjective theory and a qualitative method with thepurpose of conceptualising the qualitatively different ways customers experience faceto-face interactions with a service provider. An empirical study is conducted to determine,based on the customer ’ s own words, what is experienced in the interaction between thecustomer and the provider. Findings from the empirical material show that not all personalinteractions between customers and a service provider, in this case a bank, can belabelled as relationships. Instead, what customers do perceive as a relationship is anencounter where the interaction entails symmetry in the way the customer and the providermirror each other. When customers receive a treatment in opposition to an expectationof intersubjectivity, they will not refer to the situation as a relationship and, subsequently,according to the underlying assumptions of RM, do not willingly engage in further businesswith the provider.

  • 4.
    Eriksson, Kent
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Finanssektorns roll i samhällsbyggandet2009Report (Other academic)
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  • 5.
    Faradynawati, Ida Ayu Agung
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    Sustainable Investment Preferences among Robo-Advisor Clients2022In: Sustainability, E-ISSN 2071-1050, Vol. 14, no 19, p. 12636-, article id 12636Article in journal (Refereed)
    Abstract [en]

    The increasing role of individual investors in supporting the achievement of sustainable development goals through sustainable investment has gained growing interest from financial authorities and the research community. Digitalization in the financial sector, e.g., robo-advisors, enables lay-investors to make sustainable investments in a simple and convenient way. This study investigates whether investment-related attitudes and demographic profiles are related to robo-advisor clients' sustainable investment choices. This paper describes an empirical study that uses a logistic regression model to investigate sustainable investment preferences at the individual investor level. Cross-sectional data consisting of 27,771 individual investors in Sweden, Norway, and Finland, who purchased investment products through a robo-advisor application, are used in this study. The results suggest that, concerning investment-related attitudes, robo-advisor clients with low-risk tolerance and a short investment horizon are more likely to choose to become sustainable investors. Furthermore, sustainable investments are preferred by robo-advisor clients who are less wealthy, female, and older.

  • 6.
    Faradynawati, Ida Ayu Agung
    et al.
    KTH, School of Architecture and the Built Environment (ABE).
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE).
    Sustainable Investments: Double Trouble for Retail InvestorsAddressing Vulnerability and Consumer Protection IssuesManuscript (preprint) (Other academic)
  • 7.
    Hernwall, Patrik
    et al.
    Stockholm university, DSV.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Banking and Finance. DSV.
    Elevers förståelse av grundläggande privatekonomiska principer – implikationer för undervisning i HKK2019In: Forskning om undervisning och lärande, ISSN 2000-9674, E-ISSN 2001-6131, Vol. 7, no 2, p. 111-136Article in journal (Refereed)
    Abstract [sv]

    Ämnet hem- och konsumentkunskap (HKK) bär ansvaret för undervisning i privatekonomi. Detta till trots saknas kunskap om hur elever förstår grundläggande privatekonomiska principer. Med utgångspunkt i en serie om tre workshoppar på tre skolor med totalt 191 elever har tematisk analys använts för att besvara frågeställningen ”Hur förstår elever, i årskurserna 4 till 6, privatekonomi?”. Artikeln visar att elevers förståelse av ekonomi generellt och villkoren för undervisning om ekonomi specifikt är sparsamt beforskat. Genom att relatera den empiriska studien till HKK-ämnet konstateras att det finns goda förutsättningar att utveckla och förstärka såväl undervisningen i som elevers förståelse av ekonomi. Analysen visar att resurs, värde och tid är de centrala principer eleverna använder för att förstå privatekonomi. Artikeln avslutas med en diskussion om hur elevers förståelse av ekonomi kan bidra till en utveckling av undervisning i privatekonomi inom ramen för ämnet hem- och konsumentkunskap.

  • 8.
    Hernwall, Patrik
    et al.
    DSV, Stockholm university.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Teaching about Personal Finance in HCS: Suggestions from a Design-Based Research Approach2020In: Designs for Learning, ISSN 1654-7608, Vol. 12, no 1, p. 29-44Article in journal (Refereed)
    Abstract [en]

    Supported by the notion of concept-driven design and design-based research, as well as the tradition of critical pedagogy and the idea of sociomaterialism, the aim of this article is to explore and develop a didactic tool for education in personal finance to be used within the formal education system. The object studied is an artefact for teaching about personal finance among Swedish middle school pupils in the subject area Home and Consumer Studies (HCS). We define personal finance as economizing with (limited) private resources.

    In this article, we (a) describe the process of developing a prototype for teaching about personal finance and (b) discuss qualities of platform and content in relation to such an artefact. The design process is based on three assumptions (Hernwall & Söderberg, 2019): in contrast to many statistical/assessment studies, children this age have at least an initial understanding of basic principles of personal finances and of economizing; HCS teacher education in Sweden has little (to no) focus on personal finance; and Swedish HCS teachers are confronted with an almost complete lack of teaching material in the domain.

    Conceptualized as a design-based research methodology, the focus is therefore a didactic interest in supporting teachers’ possibilities to teach personal finances to their pupils in a way that supports learning based on the pupils’ own understanding of the basic principles of economization. Framed by design-based research, the artefact developed within the project is a prototype of a digital tool to be used as a teacher support in teaching about personal finance. One acknowledged aspect of the use of digital tools is that they allow multimodal literacy. The development of a prototype with the purpose of creating a tool for teaching about personal finance followed an iterative cycle of three stages and four interpretative revisions.

    The parallel process of developing and testing a technological artefact has resulted in seven proto-theories on essential qualities for a didactic tool that supports learning about personal finance. This entails not only the appropriation of economy as “economization with (limited) resources”, but also guides the transition from understanding to a useful repertoire of teaching activities.

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  • 9.
    Hullgren, Maria
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management. KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Borrower characteristics and mortgage rate choice in Sweden2016In: International Journal of Bank Marketing, ISSN 0265-2323, E-ISSN 1758-5937, Vol. 34, no 5, p. 649-669Article in journal (Refereed)
    Abstract [en]

    Purpose– The purpose of this paper is to investigate driving forces behind mortgage rate choice among homeowners in a market of no mortgage rate spread. The study reported on was conducted in Sweden, a country relatively spared both from effects of the subprime crisis and the on-going Euro-crisis. A number of potentially influential factors, such as respondents’ risk aversion, financial vulnerability, experience, expectations as well as the impact of media and bank advisors are examined and a number of demographic factors controlled for. Design/methodology/approach– The study reported on is based on data from a national randomized survey conducted in Sweden in 2012. An empirical analysis is carried out on a sample of 474 households with mortgages. A logistic regression is performed to test a model based on hypothesized factors. Findings– The study shows that consumers choosing fixed rate mortgages (FRMs) have high LTV and high risk aversion and perceive their choice as having been influenced by bank advisors. This is in line with earlier findings. Lower levels of – or no – FRMs (more adjustable rate mortgages) seems to be attractive for the wealthier with higher education and previous experience of home owning. Other factor negatively affecting the choice of FRMs are: being younger; being influenced by media; and perceiving oneself as financially vulnerable. Research limitations/implications– To summarize, this paper contributes to research in two major ways: first, the Swedish case is modeled against a review of international research on mortgage rate choice. Second, a number of consumer-related factors are investigated, and their relative contribution as drivers of a choice of FRMs are tested. This gives input to more theoretical research conceptualizing a model for the understanding of how consumer mortgage rate choices are made. Practical implications– The results should serve as an alarm bell for the industry, as the consumers described – the youngest mortgage holders, the financially vulnerable with low repayment capacity and those easily influenced by reports in media – are a potential threat to stable development of long term customer relations and mortgage portfolios. Social implications– The results gives reason for policy makers to address the question and reasons to call for more studies of the preferences and choices of the younger consumers. Originality/value– This study represents an investigation into some factors not often studied in relation to mortgage rate choice. It also highlights the Swedish case and puts it in an international context.

  • 10.
    Hullgren, Maria
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Building and Real Estate Economics.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    The relationship between consumer characteristics and mortgage preferences: A case study from Sweden2012In: International Journal of Housing Markets and Analysis, ISSN 1753-8270, Vol. 6, no 2, p. 209-230Article in journal (Refereed)
    Abstract [en]

    Purpose

    – The purpose of this paper is to investigate consumer characteristics that influence Swedish consumers’ mortgage rate decisions, such as the choice between an adjustable rate mortgage (ARM) and a fixed rate mortgage (FRM).

    Design/methodology/approach

    – Data were collected in a randomised survey of the Swedish population in 2010. Through binary logistic regression, the effects of education, income and risk aversion on household mortgage decisions are investigated. In addition, consumers’ financial literacy and self-reported ability to handle sudden mortgage rate increases are examined. A test of gender effects is also performed.

    Findings

    – The results show that a lower level of education, lower income, lower financial literacy, and trouble handling interest rate increases influence Swedish consumers to choose ARMs. Gender does not significantly affect the overall results. However, a gender-divided regression shows that age, a low level of education and risk averseness significantly affect men’s mortgage choices, whereas income, trouble handling interest rate increases and low financial literacy significantly affect women’s mortgage choices.

    Practical implications

    – The most vulnerable Swedish consumers choose FRMs to a greater extent and, thereby, make future expenditures more predictable for the single household by reducing liquidity risks.

    Originality/value

    – This paper tests a number of characteristics in predicting consumers’ mortgage choices, emphasises the importance of loan takers’ ability to cope with sudden mortgage rate increases, highlights the importance of financial literacy in understanding consumers’ financial choices and elucidates the Swedish case.

  • 11.
    Jonsson, Sara
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Soderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Investigating explanatory theories on laypeople's risk perception of personal economic collapse in a bank crisis - the Cyprus case2018In: Journal of Risk Research, ISSN 1366-9877, E-ISSN 1466-4461, Vol. 21, no 6, p. 763-779Article in journal (Refereed)
    Abstract [en]

    We investigate the explanatory power of decision, psychometric, and trust theory to describe laypeople's risk perception of personal economic collapse in a bank crisis. The aim of this investigation is to improve the understanding of the effects of national initiatives for crisis fighting taken to prevent systemic risk. Using a stratified sample of 738 Cypriote citizens, we conducted an investigation in Cyprus in the spring of 2013 when the country was facing a bank crisis. At that point in time, the Cypriote Government had imposed capital controls to prevent a bank run. We find that decision theory variables alone have low explanatory value on laypeople's risk perception, and that laypeople's risk perception in this situation is affected primarily by psychometric variables. Further, confidence in one's own bank also explains risk perception. Our findings contribute novel knowledge about risk perceptions in a financial crisis, with practical crisis management implications for regulators.

  • 12.
    Jonsson, Sara
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Wilhelmsson, Mats
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    An investigation of the impact of financial literacy, risk attitude, and saving motives on the attenuation of mutual fund investors' disposition bias2017In: Managerial Finance, ISSN 0307-4358, E-ISSN 1758-7743, Vol. 43, no 3, p. 282-298Article in journal (Refereed)
    Abstract [en]

    Purpose - The purpose of this paper is to investigate the impact of financial literacy, risk attitude, and saving motives on the attenuation of mutual fund investors' disposition bias. Specifically, the authors focus on individual characteristics explaining the investors' propensity to sell shares in a poorly performing mutual fund. Design/methodology/approach - The study relies on survey data collected from 1,564 Swedish households in 2013. The authors test the hypotheses considering three different portfolio compositions and portfolio performances. Each composition corresponds to a dependent variable and a separate model which are estimated using ordinal logistic regression. Findings - The authors find that different forms of financial literacy affect attenuation of the disposition effect. Specifically, the authors find that knowledge about mutual funds and knowledge about current market conditions affect the attenuation of the disposition effect, whereas the authors find no support for the effect of "technical financial knowledge" (e.g. the ability to calculate compound interest rates). The authors also find no support for the effects of risk attitude and saving motives on the attenuation of the disposition bias. Originality/value - The findings suggest a need for a more fine-grained conceptualization of the financial literacy concept and its effect on investors' disposition bias. Since an important implication of the findings is that financial literacy could potentially help people overcome behavioral bias, the study provides insights for policymakers as well as into the discussion on the design of consumer education programs.

  • 13.
    Jonsson, Sara
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Banking and Finance. KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Söderberg, Ingalill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Banking and Finance. KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Wilhelmsson, Mats
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Building and Real Estate Economics. KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Households and mutual fund investments: Individual characteristics of investors behaving like contrarians2017In: Journal of Behavioral and Experimental Finance, ISSN 2214-6350, E-ISSN 2214-6369, Vol. 15, p. 28-37Article in journal (Refereed)
    Abstract [en]

    We investigate characteristics of household investors stating they would increase shares in a mutual fund in a situation where this fund has exhibited a negative past performance. Hence, we investigate characteristics of investors behaving lite contrarians. We use a survey methodology to examine the effects of risk tolerance, perceived competence, and of being informed on households’ contrarian behavior. To investigate the stability of these characteristics we test our hypothesis in three scenarios: (1) scenario without consideration of market conditions, (2) bull market scenario, and (3) bear market scenario. Findings show that risk tolerance and perceived competence leads to a contrarian buying behavior. The results show that these effects are significant also in bull and bear markets, thus that these characteristics are stable. The findings further show that being informed explains contrarian buying behavior only when no consideration is given to current market conditions. Thus, this characteristic could be considered unstable.

  • 14.
    Persson, Annina H.
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Surveying – Geodesy, Land Law and Real Estate Planning.
    Söderberg, Ingalill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Engström, Rickard
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Ränteskillnadsersättning vid förtidsbetalning av bostadslån2024Report (Other academic)
  • 15.
    Persson, Annina H.
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    Eriksson, Kent
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    Henrikson, Ann-Sofie
    Umeå universitet.
    Seriösa kreditgivare kommer att göra vad de kan och de oseriösa slinker igenom2021Other (Other (popular science, discussion, etc.))
  • 16.
    Snickare, Lotta
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    Gender mixed boards and greenhouse gas emissions: Does the share of women affect the boards’ strategic decision making processes regarding environmental work?2018Conference paper (Refereed)
  • 17.
    Snickare, Lotta
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    How do executives progress from a lower to a higher level of skillful performance?: Practices as tacit knowledge2015Conference paper (Refereed)
  • 18.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Financial Advisory Services: Exploring relationships between consumers and financial advisors2013Doctoral thesis, comprehensive summary (Other academic)
    Abstract [en]

    The need for more knowledge about different aspects of financial advisory services has been highlighted by scholars of many disciplines, and calls for more in-depth studies of this practice have been put forward. The purpose of this thesis is to answer this call and, thereby, enhance knowledge about financial advisory services and the provision and receipt of advice occurring in a face-to-face encounter between a professional advisor and a consumer. The thesis consists of five papers in which different methodological and theoretical lenses are applied to the study of the practice. A mixed methods approach is applied to the object of study—financial advisory services. This approach entails using qualitative methods to analyze video-recorded interviews and quantitative methods to analyze survey data. The qualitative methods are used primarily to generate new constructs and ideas, whereas quantitative methods are used more to confirm and deepen the knowledge of constructs and relationships.

    The findings show that there are important aspects of financial advisory services that have been previously neglected. The characteristics of both consumers and advisors, as tested from the aspect of gender, are shown to have importance for both consumer and advisor perceptions of different aspects of core elements of financial advisory services. Focusing on the micro-foundations of the relationship between customer and advisor in financial advisory services reveals the importance of mirroring for customers in perceiving a relationship. Two types of interactions that customers do not consider to be relationships are identified. Scholars have referred to occasions in which customers are too trusting as “the dark side of trust”, meaning that the customer becomes less actively involved in the relationship with increasing advisor trust.  Applying a concept borrowed from psychotherapy—working alliance—has opened up possibilities for further exploration of the inner workings of the financial advisory session. This thesis proposes and tests the concept of a working alliance as a way of enhancing theory and, thereby, the understanding of relationships between consumers and service providers.

    The results of this thesis have implications for theory by contributing to the understanding of relationships. The implications for policymakers, the industry, and advisors and customers are many. Exploring the practice of financial advisory services lays the groundwork for discussions on, and elaborations of, regulations, educational programs, and hiring practices within the industry, as well as on financial literacy programs directed toward consumers.

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    KAPPA Financial Advisory Services
  • 19.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Finanssektorns framtida kompetensbehov2008Report (Other academic)
    Abstract [sv]

    På uppdrag av styrelsen för Centrum för bank och finans, Cefin, vid Kungliga Tekniska högskolan, KTH, i Stockholm har projektet ”Finanssektorns framtida kompetensbehov” sökt synliggöra vilka framtida kunskapsbehov som finns inom den finansiella sektorn i Sverige.Syftet har varit att skapa ett underlag för samtal mellan olika aktörer för att i ett längre perspektiv säkerställa att rätt utbildad arbetskraft finns tillgänglig för sektorns behov.

    Rapporten bygger på semistrukturerade intervjuer (fyra problemområden, identifierade genom en förstudie, nämndes vid i övrigt öppna samtal) med 42 representanter för olika områden inom finanssektorn. Ur dessa intervjuer, vilka anonymiserats, har ett scenario avseende sektorns utveckling och framtida kunskapsbehov tagits fram. Slutsatserna har så kommenterats av företrädare dels för olika akademiska ämnesområden och dels för olika, för den studerade samhällssektorn relevanta, utbildningssteg.

    Generellt kan sägas att de kunskapsområden som bör föranleda ett särskilt intresse från såväl branschens aktörer som utbildningsväsendets representanter är:

    • matematikkunskaper – både på djupet och bredden
    • sambanden mellan företagsekonomi och nationalekonomi samt kunskap om de finansiella systemen
    • juridikkunskaper – både specialiserade och generella
    • IT-kompetens – huvudsakligen övergripande systemarkitektur
    • pedagogik, psykologi och specialiserad marknadsföring

    I undersökningen framkom också en önskan om närmare samverkan mellan utbildningsväsendet och finansbranschen. Respondenterna pekade även på internationaliseringens möjliga betydelse för det svenska utbildningsväsendet.

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    Finanskompetens 2008
  • 20.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Gender stereotyping in financial advisors assessment of customers2012In: Journal of Financial Services Marketing, ISSN 1363-0539, E-ISSN 1479-1846, Vol. 17, no 4, p. 259-272Article in journal (Refereed)
    Abstract [en]

    This article presents the results of a comparison of male and female advisors assessment of their customers. The findings from the empirical material, consisting of 361 advisors answers to a questionnaire, show significant evidence that advisors assess their customers differently depending not only on customer gender, but also according to their own gender. The investigated variables are the advisors assessment of consumers perception of their own risk tolerance, customer satisfaction with the advisor, customer trust in the advisor, customer likelihood to follow the advice given and advisors ratings of customer financial literacy. Male advisors rated consumers answers higher than did their female colleagues for all variables, with the exception of advisors ratings of consumer financial literacy. Advisors and their employers in the financial services industry, as well as policymakers, should be aware of the possible association between advisor gender and potential gender stereotyping of clients.

  • 21.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management. KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Gender Stereotyping in Financial Advisors’Assessment of Customers2016In: Financial Literacy and the Limits of Financial Decision-Making / [ed] Harrison, Tina, Springer, 2016, 1, p. 260-280Chapter in book (Refereed)
    Abstract [en]

    This article presents the results of a comparison of male and female advisors’ assessment of their customers. The findings from the empirical material, consisting of 361 advisors’ answers to a questionnaire, show significant evidence that advisors assess their customers differently depending not only on customer gender, but also according to their own gender. The investigated variables are the advisors’ assessment of consumers’ perception of their own risk tolerance, customer satisfaction with the advisor, customer trust in the advisor, customer likelihood to follow the advice given and advisors’ ratings of customer financial literacy. Male advisors rated consumers’ answers higher than did their female colleagues for all variables, with the exception of advisors’ ratings of consumer financial literacy. Advisors and their employers in the financial services industry, as well as policymakers, should be aware of the possible association between advisor gender and potential gender stereotyping of clients.

  • 22.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE).
    Relationships Between Advisor Characteristics and Consumer Perceptions2013In: International Journal of Bank Marketing, ISSN 0265-2323, E-ISSN 1758-5937, Vol. 31, no 3, p. 147-166Article in journal (Refereed)
    Abstract [en]

    Purpose – This paper aims to investigate the relationships between advisor characteristics and consumer risk perception, willingness to follow advice and perception of advisor credibility in a financial services context. It answers calls for more knowledge about financial advisors’ influence on financial decision‐making among consumers.

    Design/methodology/approach – An experimental study, displaying financial advice together with photographs of advisors, was completed by convenience sampling of 200 Swedish consumers and analysis using statistical techniques to compare groups: two‐way between‐groups ANOVA.

    Findings – This study shows that advisor gender affected consumer risk perceptions, willingness to follow advice and perception of advisor credibility in a financial services context, whereas advisor mood affected only consumer willingness to follow advice. No biases depending on buyer–seller similarity were found.

    Research limitations/implications – The study focuses on consumer perceptions – not real‐life investment choices. Conclusions are drawn from a relatively small sample. However, the policy implications are important, suggesting that characteristics other than those of consumers (e.g. gender, educational level, occupation, financial literacy) can be of relevance for policymakers in their attempts to improve consumer protection.

    Practical implications – The findings provide useful insights for marketing practitioners that could help adjust information disseminated to consumer segments and that could have implications for marketing and hiring practices in the financial sector.

    Originality/value – This paper illustrates the role of advisor characteristics in consumer financial decision‐making and calls for more research on financial advisory services.

  • 23.
    Söderberg, Inga-Lill
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Sallis, James E.
    Uppsala University.
    Eriksson, Kent
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    The dark side of trust and the light side of working alliances in financial services2014In: International Journal of Bank Marketing, ISSN 0265-2323, E-ISSN 1758-5937, Vol. 32, no 3, p. 245-263Article in journal (Refereed)
    Abstract [en]

    Purpose: The purpose of this paper is to use psychological theory to improve our understanding of financial advice-taking. The paper studies how a working alliance between financial service customers and advisors affects the advisor's assessment of the financial service buyer's perceived risk preferences, and what role trust plays as a mediating variable. Design/methodology/approach: The paper obtained data by means of a questionnaire that was answered by 375 matched pairs of bank advisors and customers. Findings: This paper explains how the working alliance method - a concept from psychotherapeutic theory - between financial service customers and advisors affects the advisor's understanding of the financial service buyer's perceived risk preferences. The paper also finds that the role of trust is perceived differently by the advisor and the customer. Advisors see that as their clients learn to trust them they lose touch with the customer's perceived risk preferences, whereas customers do not perceive that their trust in the advisor has any relationship to their risk preferences. Practical implications: This results suggest that advisors lose touch with the risk preferences of trusting customers, and that psychological methods are needed if the advisor should actually understand customer perceived risk preferences. Originality/value: The paper advances psychological methods in marketing, and provides a partial answer to the difficulties of financial advice giving.

  • 24.
    Söderberg, Ingalill
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Wester, Misse
    KTH, School of Architecture and the Built Environment (ABE), Philosophy and History of Technology, Philosophy.
    Konsumenters upplevelse av samhällsrisk och agerande vid finanskrisen 20082011Report (Other academic)
    Abstract [sv]

    Vad Sveriges konsumenter verkligen gjorde med anledning av finanskrisen hösten 2008 beskrivs i en rapport av två forskare från Kungliga Tekniska högskolan i Stockholm. Här får vi veta att 16,8 procent av de tillfrågade valde att vidta någon som helst åtgärd med anledning av krisen. Inom denna grupp dominerar handlingar som avser att säkra de egna investeringarna. Endast ett fåtal har uppfattat att hela eller delar av det finansiella systemet var hotat och agerat därefter genom att till exempel ta ut alla sina besparingar eller helt byta bank.

    Download full text (pdf)
    fulltext
  • 25.
    Söderberg, Inga-Lill
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Centres, Centre for Banking and Finance, Cefin.
    Wester, Misse
    KTH, School of Architecture and the Built Environment (ABE), Philosophy and History of Technology, Philosophy.
    Lay actions in the face of crisis-Swedish citizens' actions in response to the global financial crisis of 20082012In: The Journal of Socio-Economics, ISSN 1053-5357, E-ISSN 1879-1239, Vol. 41, no 6, p. 796-805Article in journal (Refereed)
    Abstract [en]

    This study goes beyond attitudes and behavioral indications as response to risk perceptions and focuses on actual behavior of laypeople. We report the results from a survey, conducted among a sample of Swedish citizens in the spring of 2009, looking at lay actions as responses to the financial crisis of 2008. In total, 3138 respondents were asked whether they had done something to protect their money during the recent financial crisis or not. The total sample, 1053 respondents, was divided into two comparable groups and a binary logistic regression tested a model with nine factors hypothesized to be predicting the choice to act or not as a response to the financial crisis. Among the eight factors predicting likelihood to act were gender, age, education, ethnicity, possession of assets affected of the financial crisis, worrying about the everyday household finances, the perception of others' actions, and importance put on being knowledgeable and up-dated about financial matters. The ninth factor-respondents' perception of the crisis to be a greater threat to the U.S. and global economy than to their own personal finances-did not contribute significantly to the model.A second aim of the study was to determine whether any individuals acted rashly and, if so, whether this group differed in any statistically significant way from the group of individuals that acted in a more financially circumspectly manner. In the group of individuals that acted rashly there is a higher propensity of: individuals who do not think they have assets affected by the crisis: individuals who have a lower level of education; and individuals who consider it important to be knowledgeable and up-to-date about financial matters. It should be of interest to policymakers and researchers to further explore features of this group of laypeople because it is the most important target group for consumer information and protection.

  • 26.
    Söderberg, Inga-Lill
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    Wester, Misse
    Lund Univ, Div Risk Management & Societal Safety, Dept Bldg & Environm Technol, S-22100 Lund, Sweden..
    Zalejska-Jonsson, Agnieszka
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    Exploring Factors Promoting Recycling Behavior in Student Housing2022In: Sustainability, E-ISSN 2071-1050, Vol. 14, no 7, article id 4264Article in journal (Refereed)
    Abstract [en]

    As climate-related issues are important and concern all aspects of the built environment, there is a need to better understand the motives underlying household recycling behavior. The purpose of the present study is twofold: to investigate factors important for explaining the recycling behavior of young people and to explore respondents' own ideas regarding barriers to recycling. This paper reports on a survey conducted from 2020 to 2021 among residents of student housing in Stockholm, Sweden. Eight hypotheses were formulated based on earlier research and a model was constructed. Answers from 1202 respondents were first analyzed by logistic regression to test factors affecting respondents' self-reported recycling of paper, plastic, glass, and metal. Results show that the full model containing all predictors was statistically significant. The results showed that only four of the hypotheses were confirmed. Positive attitude toward recycling, personal norms, perceived behavioral control, and perceived convenience of recycling are positively affecting recycling behavior. In addition, 673 open answers were analyzed to provide information on unforeseen factors of importance for recycling behavior. This study adds to research by testing factors affecting recycling behaviors in a national context and by identifying new possible factors of importance. The results are also of benefit to business practitioners within the construction sector or within facility management in identifying activities that would add to sustainable development.

  • 27.
    Söderberg, Inga-Lill
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Zalejska-Jonsson, Agnieszka
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Återvinning i studentbostäder: En enkätstudie2021Report (Other academic)
    Abstract [sv]

    Vi är gemensamt intresserade av vad som påverkar återvinningsbeteende och har

    genomfört denna enkätstudie i syfte att lära mer om studentboendes attityder till

    återvinning och möjliga faktorer som påverkar de boende att avfallssortera för

    återvinning. Vi har formulerat en enkät där våra frågor baserat på tidigare forskning. I

    tidigare studier har olika faktorer visat sig statistiskt signifikanta när det gäller att

    förklara boendes återvinningsbeteende. Vi har därför valt att använda frågebatterier

    som verifierats av andra, så att vi kan anta att våra frågor mäter vad de avser mäta. Det

    innebär också att vi kan jämföra våra resultat med andras. Förutom detta består

    enkäten också av några bakgrundsfrågor baserade på att kön, ålder och

    ämnesinriktning (studier eller arbete) har visat att dessa är statistiskt signifikanta för

    val att avfallssortera. Enkäten har, administrerat av Stockholms studentbostäder, sänts

    till samtliga hyresgäster i 25 studentbostadsområden i Stockholm i december 2020 –

    januari 2021. Tiden sammanföll med en pandemi som sannolikt påverkat studien.

    Download full text (pdf)
    Återvinning i studentbostäder
  • 28.
    Zhu, Hui
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Sallnäs Pysander, Eva-Lotta
    KTH, School of Electrical Engineering and Computer Science (EECS), Human Centered Technology, Media Technology and Interaction Design, MID.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Not transparent and incomprehensible: A qualitative user study of an AI-empowered financial advisory system2023In: Data and Information Management, ISSN 2543-9251, article id 100041Article in journal (Refereed)
    Abstract [en]

    AI-empowered and algorithm-driven automated financial advisory systems, also known as Robo-advisors, have been rapidly implemented by service providers and customers in financial service markets. Yet, few empirical studies investigate customers’ experience interacting with fully functional Robo-advisors in real-life scenarios. Also, it is still unknown how the design of the automated system can affect customers’ perception and adoption of this new technology. To mitigate these gaps, 24 participants with different levels of experience and understanding of financial investment were asked to use a Robo-advisor from a retail bank and perform the tasks. By conducting observations and retrospective post-test interviews, we find that participants do not fully perceive the social aspects supposed to be provided by Robo-advisors. The overarching problems are, among others, a lack of transparency and incomprehensible information. This results in distrust of the results generated by this system, which negatively affects customers’ adoption of the investment advice provided by the Robo-advisor. The potential of interactive data visualization is also detected. This work contributes to the understanding of customers regarding their perception and adoption based on their use of a functional Robo-advisor and proposes design takeaways for transparent and comprehensible automated advisory systems in financial service contexts.

  • 29.
    Zhu, Hui
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Vigren, Olli
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Implementing AI-empowered Financial Advisory Services: A Literature Review, Integrative Framework, and Critical Research AgendaManuscript (preprint) (Other academic)
  • 30.
    Zhu, Hui
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Vigren, Olli
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Implementing AI-empowered Financial Advisory Services: A Literature Review, Integrative Framework, and Critical Research AgendaManuscript (preprint) (Other academic)
  • 31.
    Zhu, Hui
    et al.
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Vigren, Olli
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Real Estate Business and Financial Systems.
    Söderberg, Inga-Lill
    KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
    Implementing artificial intelligence empowered financial advisory services: A literature review and critical research agenda2024In: Journal of Business Research, ISSN 0148-2963, E-ISSN 1873-7978, Vol. 174, article id 114494Article in journal (Refereed)
    Abstract [en]

    Robo-advisors, also known as robo-advisory services, significantly reshape customer service in financial advisory industries, transforming retail investor markets by substituting human financial advisory experts with artificial intelligence empowered services. However, existing literature remains scattered across disciplines, with theories on financial customer service predominantly focused on Internet banking, neglecting artificial intelligence empowered interactions. Thus, service providers need a framework for implementing robo-advisors in frontline service and researchers require an advanced agenda to stimulate future research. Through a systematic, interdisciplinary literature review based on Belanche et al.’s service robot framework, this article contextualizes service robot theories into financial advisory services, synthesizing knowledge on artificial intelligence empowered customer service. We contribute to literature on service robots by contextualizing, refining, and extending the original framework by Belanche et al. and by developing a research agenda with critical perspectives. Moreover, the study yields practical and theoretical insights into artificial intelligence empowered financial advisory services.

1 - 31 of 31
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