Browsing by Author "Nieminen, Tiina"

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    Adoption of computer-based innovations: A survey of Internet adoption among students in the Helsinki area
    (1997) Nieminen, Tiina; HKKK. Markk. Pro gradu; Kauppakorkeakoulu; School of Business
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    Defining Logistical Service Segments in a Consumer Durable Business
    (2004) Meinander, Petra; Nieminen, Tiina; Tuotantotalouden osasto; Teknillinen korkeakoulu; Helsinki University of Technology; Tanskanen, Kari
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    Using logistical service classes for effective logistical service model construction in consumer durable business
    (2005) Heinonen, Tuija Maria; Nieminen, Tiina; Artto, Karlos; Tuotantotalouden osasto; Teknillinen korkeakoulu; Helsinki University of Technology; Eloranta, Eero
    The aim of this thesis is to construct effective logistical service models for consumer durable business by using logistical service classes. The problem is approached through the objective of developing a framework for logistical service class division and determining the factors that are derived from the classes. Additional objectives relate to the logistical cost structure analysis using an activity-based costing approach. Based on existing theory of demand-supply chains, customer satisfaction and service classes, and practical approaches to service classes, a service class framework is constructed. The framework is used in the empirical part to analyse the demand-supply decoupling links, customer requirements and logistical cost structure. The empirical study is conducted as a case study of a case company relying on internal interviews and financial data analysis, concerning three sales areas and selected customers. The study identifies that the most significant cost factors are delivery-related costs, which vary significantly depending on the service level. The study states that in addition to meeting customer requirements, managing the expectations through negotiations is important. The analysis results in logistical service class recommendation for consumer durable business and the most suitable service model construction for the classes. The service classes and models have differing demand-supply decoupling points, customer requirements and logistical cost structures. The main attributes depending on the service model chosen are delivery frequency, order fulfillment lead time and availability promise.
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    Who trusts investment advisors and why?
    (2015) Nieminen, Tiina; Rahoituksen laitos; Department of Finance; Kauppakorkeakoulu; School of Business
    Background and objectives: There is a lack of research on the field of household finance concerning the factors affecting the probability to trust in investment advisors. Therefore this study concentrates on asking the question who trusts investment advisors and why. The findings provide pioneering results on this area of study. Advisory is an important part of banks' operations as advisors serve as sales negotiators for the banks' products. Trusting on advisory has great applications whether banks should invest in advisory and to what extent can the banks be blamed for the investment decisions of their customers. Data and methodology: The data used in this study is from Eurobarometer 60.2 survey which is administered by the European Commission. The survey asks for example whether respondent usually trusts the advice given by financial institutions. The data includes numerous variables which are used to explain trust. The study is done by using logistic regression analysis. This study attempts to discover the most relevant factors determining the probability of trusting investment advisors and this is done by examining the effects first individually and then combining them into a final model. Also subsample analysis is provided. Findings: The largest effects this study finds to influence the probability to trust in investment advisors are protection of confidential information by financial institutions and given information clarity and understandability. Other factors affecting the probability to trust are for example gender, home country, perceived difficulty to compare information or change banks, sentiment towards thinking about finances and financial services, having made bank transactions over the Internet and aggressive marketing techniques by financial institutions. Subsample analysis reveals for example significant country differences in these effects.