The subprime related global financial crisis just seen has brought with it a number of international studies investigating factors influencing householdsí mortgage rate choice. These studies focus primarily on contract factors or are explorations of consumer financial literacy as an important...

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). Data were collected in a randomised survey of the Swedish population in...

Purpose The purpose of this paper is to explore the relationship between formal ethics and ethics in practice in the empirical context of real estate agents (REAs) working in the residential housing market, including owner-occupied houses and owner-occupied apartments, in Sweden. The paper...

Public-private partnership (PPP) concession agreements are awarded by National, State and local public agencies that contract with private companies to finance and deliver infrastructure as a long term service to governments and their citizens, rather than having the private firms design and...

The realization of relationship marketing requires cooperative exchange between buyers and sellers. A key determinant of cooperative exchange is uncertainty perceived by the cooperating parties. This study investigates how cooperation is affected by decision makers’ perception of uncertainties...

Banks are known to have stable and long lasting relations with their customers, which is why development of customer relations is a crucial strategic issue in banking. However, a basic problem in banking is that the customer base is heterogeneous, ranging from homogenous segments of customers...

Retail bank operations have in the light of recent developments in technology, deregulation and market become more complex. Banks need to handle both standardized and unstandardized services which leads to differentiation between units. This paper presents a framework for analysis of...