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Financial inclusion, defined as access and usage of formal financial services, has several positive micro and macro-level socio-economic implications. Due to decades of vigorous policies aiming at lowering barriers to formal finance, 80 percent of Indians now own a bank account. However, there is a significant gap between account take up and usage. One reason for low usage rate is persistent infor

The purpose of this thesis is to study complex analysis, the Bergman space and Korenblum's conjecture. This is done in three parts. In the first part the proofs that the conjecture is true are studied, giving lower bounds of Korenblum's constant. The first proof is explained in detail, to make it as accessible as possible to more people. The main differences for a couple of later proofs th

To investigate the differences in experienced stress and how this was moderated by the personality factors of work locus of control (WLOC) and extraversion between open plan-offices and activity based-offices (ABW), a questionnaire was sent out to the employees of nine different offices. 171 participants answered the questionnaire which consisted of five scales that measured perceived stress, dist

To understand the evolution of our galaxy, the chemical abundance patterns and trends within the stars of the different regions are explored. The process of synthesizing these elements reveals key details about the way the stars and, therefore, the galaxy formed. This project focused on the element potassium, K, and specifically its absorption line 7699 Å. The local thermodynamic equilibrium (LTE)

The objective of this study was to assess the influence of user behaviour on the Smart Grid performance and to identify possible interfaces between end-users and the energy network. In order to get an image of the electricity customers attitude to Smart Grids and energy-efficiency, a questionnaire was conducted as a first step. Afterwards, a combination of thermal building simulations and the deri

The insurance industry is notoriously conservative and has seen comparably few technological improvements in the last fifty years. A wave of new technology- driven insurance firms, or insurtechs, is changing that. By leveraging new technology and offering more customer-centric and innovative products, these firms have captured shares in many insurance markets. One technology — yet to be broadly a

Abstract The care for the environment in investment situations is rising among different groups of investors, due to social and psychological factors. Existing studies on nonpecuniary preferences for the environment are focused on measuring the proportion of individuals with green agendas, whereas we focus on measuring also magnitudes, i.e. how much future wealth are people actually prepared to gi

Recent studies find that women are less competitive than men. This gender difference in competitiveness has been suggested as one possible explanation for why men occupy the majority of top positions in many sectors. In this study we explore competitiveness in children, with the premise that both context and gendered stereotypes regarding the task at hand may influence competitive behavior. A rela

Objectives: Pregnancy can influence immune control of Mycobacterium tuberculosis infection (MtbI). We recently reported an association between MtbI and pregnancy complications, particularly severe preeclampsia, in a registry-based cohort of women originating in tuberculosis-endemic countries screened for MtbI in Swedish antenatal care, implying a potential role of MtbI for the development of preec

Climate change can raise average temperatures and humidity and induce more frequent and stronger extreme weather events. This intensifies the need for studies on indoor climate and energy use in livestock buildings as it will affect animal welfare and farmers’ economy in terms of production, energy demand and needed investments. The aim of this review was to identify knowledge gaps and the need fo

Globular clusters (GCs) are among the oldest and densest stellar systems in the Universe, yet how they form remains a mystery1. Here we present a suite of cosmological simulations in which both dark-matter-free GCs and dark-matter-rich dwarf galaxies naturally emerge in the Standard Cosmology. We show that these objects inhabit distinct locations in the size–luminosity plane and that they have sim

We present the Pad Chamber detector system in the PHENIX experiment at the Relativistic Heavy Ion Collider (RHIC) at Brookhaven National Laboratory. The three station system provides space points along each track in the spectrometer arms at mid-rapidity and covers a total area of 88 m(2). Its main functions are to provide the track coordinate along the beam and to ensure reliable pattern recogniti

The Swedish Spine Register enables monitoring of surgical activities focusing on changes in trends over time, techniques utilized and outcome, when implemented in general clinical practice. Basic requirements for a prosperous register are unity within the profession, mainly patient-based documentation and a well functioning support system. This presentation focuses on the development and design of

The discrepancy in societal attitudes toward female genital cosmetic surgery for European women and female genital cutting in primarily African girl children and women raises the following fundamental question. How can it be that extensive genital modifications, including reduction of labial and clitoral tissue, are considered acceptable and perfectly legal in many European countries, while those