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Willingness to Disclose Sensitive Information for Underwriting Purposes

The rise of Big Data is creating tremendous opportunities across all industries. As the development promises disruptive changes of business processes and manifold benefits both on the company and customer side, health and life insurance companies engage and invest in Big Data approaches. By collecting, storing, and analysing huge amounts of customer centric data, they hope to enhance their risk as

Dalskoli

The fact that educational buildings are places where the majority of us spend most of our formative years, their design plays an important part in improving the education level and well-being of society. A number of changes have been made to the traditional design of these buildings in the last few decades and the old education system, where the teacher solely acts as an informer and the children

Investigation of Machine Learning Applicability on Mobile Device Diagnostics for Quality Prediction

Sony Mobile Communications (SoMC) perpetually collect large amounts of prototype device data into their database which is used for analysing their devices. Different areas are analysed individually using this data but no general model exists which encapsulates the overall performance. A desired model would include information from the different key performance areas and utilise machine learning wi

”Everyone seems to be white…” En kritisk diskursanalys av begreppet expatriate i en postkolonial kontext

Expatriate är en gränsöverskridande identitet i dagens globala samhälle som förknippas med en tillfällig arbetsposition utomlands. Den kritik som riktats mot begreppet, att det är ett begrepp reserverat för Vita västerlänningar, går i linje med en postkolonial teoretisk strävan att problematisera de begrepp och språkliga gränsdragningar som används i den globala diskursen. Uppsatsens syfte är att

Change is in the grassroots. The use of effectuation to enable school development in Icelandic compulsory schools

In 2011, Icelandic compulsory schools introduced a new national curriculum. Its purpose was to enable a more competencies-based school system where focus would be on independence and initiative. One of the main changes in the curriculum was the introduction of entrepreneurship as a core competency. Similar changes have taken place elsewhere in Europe and there are indications that comparable devel

Black-Litterman Portfolio Allocation Stability and Financial Performance with MGARCH-M Derived Views

2 Abstract This paper deploys methodology typically utilized in financial econometrics, namely univariate and multivariate GARCH-M forecasting techniques, as inputs into the Black-Litterman asset allocation process. While previous works have examined the usefulness in deploying select GARCH specifications as a source for the required Black-Litterman views vector, to the best of our knowledge, this

Early stages of biofilm formation of the facultative thermophilic sporeforming Bacillus licheniformis on stainless steel surface

Bacteria can live in a surface attached community called biofilm, where microorganisms can multiply, grow and produce extracellular polymeric substances (EPS) and biofilm formation proceeds in different stages from attachment to a mature biofilm. In food industry, biofilms are a significant issue that can affect product quality and safety when biofilms are formed in the processing equipment. The

Evaluation of sifting segregation testing with spherical particles

I alla industrier där partiklar behandlas i torra prover är segregering ett stort problem. Segregering kan ske vid olika steg i processen där partiklarna i fråga till exempel transporteras, blandas eller bara lagras. Det uppskattas att uppemot 30 % av all fördröjning i processer sker på grund av segregering av partiklar(Johanson, 2014). Detta leder till kritiska konsekvenser för ett företag så somSegregation is a well-known process problem that may cost companies quality and time. The aim of this project was to establish a fundamental understanding about sifting segregation by using the sifting segregation tester described in the ASTM International standard. In this work, Cellets and Suglets were used to study particles tendency to segregate at different weight ratios and different particl

DRAINAGE SYSTEM AND STORM WATER MANAGEMENT FOR NDOLA CENTRAL BUSINESS AREA, ZAMBIA

Flooding of urban areas is a worldwide problem as cities grow and the amount of impermeable surfaces increase generating more surface runoff. In the Zambian city of Ndola, the capital of the Copperbelt Province, flooding occurs in some parts of the city especially on Dag Hammarskjöld Drive at the underbridge, which has been flooding every rainy season consecutively for 8 years now. The main object

Utveckling av leveransprestationsmätning av Orkla Foods Sveriges leverantörer

Syftet med examensarbetet är att ta fram en mer tillförlitlig leveransprestationsmätning av Orkla Foods Sveriges leverantörer vars resultat kan kommuniceras både internt och externt för att långsiktigt förbättra leveransprestationen. När denna studie genomfördes hade Orkla Foods Sverige problem med låg leveransprestation från sina leverantörer och otillförlitliga mätningar av detta som grundade s

How to break the soviet NIS model? Lessons from Estonia and Moldova.

Estonia has taken an upward trend in terms of innovation and economic growth since 1991 and is currently the most prosperous ex-USSR country. Moldova on the other hand, another ex-USSR country, is one of the poorest countries in Europe and it has more or less stagnated for the past 2 decades in terms of innovation and R&D. Estonia’s NIS (National Innovation System) has evolved remarkably and w

Vad karaktäriserar DevOps?

Användandet av agila utvecklingsmetoder inom IT-organisationer har utvecklats till att inkludera driftsidan (Ops). DevOps är en rörelse för ökat samarbete mellan utvecklare (Dev) och driftpersonal (Ops) med rötter i agila utvecklingsmetoder där de fyra värdegrunderna är kultur, automation, mätning och delning. Rörelsen lockar företag i hopp om snabbare time-to-market och en bättre möjlighet till

Lighting a fire of change? : characterizing the learning process in a German non-formal education for sustainability network and examining the outcomes

Education for sustainability (EfS) has been regarded a promising approach for solving sustainability challenges. Results have been unsatisfying due to a knowledge-dissemination focus in the formal sector. Reasons are economic and political interests shaping formal education. Therefore, hopes are placed in the non-formal sector to close this knowledge-to-action gap. In this case study, I aim to und

Barn online - föräldrars ansvar på en ny arena. En kvalitativ studie om föräldrars förhållningssätt till barns aktiviteter online.

The aim of this study was to describe and analyze how parents relate to their children’s internet use. Studies have shown that children nine years and older have increased access to private tablets and smartphones, leading to unsupervised online opportunities. With increased use, parents must take responsibility to protect their children from risks associated with the internet. We have examined; 1

Automatic Valve

This report describes a part of the product development process for a mechanical adjustment of the head pressure in an extruder at Tetra Pak. The pressure is adjusted by a valve that increases or decreases the pressure by moving a valve stem. In the current solution the valve stem is moved by hand, which will no longer be effective when Tetra Pak streamlines the extruder. The project also includes

The Four Dimensions of Participation: A Kenyan Case Study

This thesis takes as its point of departure Wale Wale Kenya - an NGO located in Kibera, Nairobi that has been created by a group of youths from the Kibera slums. It is unusual in being founded, run and controlled by a group who are beneficiaries of many projects, but seldom owns the NGOs that initiate those projects. Using a case study approach this research investigates the youth’s own percepti

Den granskade kvinnan. En kvalitativ innehållsanalys om hur kvinnliga brottsoffer framställs i svenska våldtäktsdomar.

Author: Matilda Månsson Title: The examined woman [translated title] Supervisor: Lupita Svensson Assessor: Janicke Andersson The debate about rape against women has been active in Sweden for many years. For instance there have been some criticisms that only a few women choose to report the crime to the police, and how the woman as a victim is treated during the legal action. The purpose of this e

Learning hard or hardly learning? : exploring processes of experiential, transformative and social learning in an urban living lab

Cities will contain 70% of global populations by 2050, signalling the need to pursue solution-oriented approaches for sustainability challenges. Urban Living Labs are emerging as solution-based interventions, and share commonalities with efforts of sustainability science to broaden research for societal change alongside various actor sets. Currently there is a recognised lack of dedicated research

Strävan efter en kvoterad föräldraförsäkring: i vems intresse?

I denna kandidatuppsats lyfter vi föräldraförsäkringen, samt de konsekvenser som möjligtvis kan uppstå som följd av en framtida kvotering av denna. Vidare diskuterar vi uttaget av föräldrapenningdagar och vilka faktorer som är med och påverkar uttaget. Utifrån tillgänglig statistik har vi skapat egna tabeller för att belysa de skillnader som finns i statistiken, men som inte illustreras på ett til