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Helppokäyttöiset verkkosivut liiketoiminnan tukena : case: Monkey Business
(Laurea-ammattikorkeakoulu, 2017)
keskiössä oli verkkosivujen merkitys digimedian muotona. Tietoperustassa keskityttiin kirjallisuuteen ja tutkimuksiin käytettävyys-, mitattavuus- ja löydettävyys-käsitteiden kautta. Helppokäyttöiset verkkosivut liiketoiminnan tukena -opinnäytetyö...
The purpose of this thesis was to analyse the current website of Monkey Business and look for development needs based on research literature. Monkey Business provides services for companies that are undergoing changes. The aim of the thesis was to create for Monkey Business a website with improved user-friendliness, also taking into account findability and measurability. The purpose of the website is to support the company’s business and to improve business growth. The significance of a website as a form of digital media was at the core of the thesis’s knowledge base. The knowledge base focused on literature and research through the concepts of usability, measurability and findability. User-Friendly Website in Promoting Business is a functional thesis, the output being the improved website and further development proposals for the site. The new website was changed in a way that improves its usability by developing the web-site’s structure, visual design, functionality and content layout. The website’s position in search results was improved by increasing its search engine friendliness. Measurability was developed by changing the website’s structure so that it supports web analytics. Conversions were also taken into account in the measurability of the website. The aim was to increase the number of contacts and thus to support business growth with the help of conversions. Further development proposals were formed by analysing the results of the usability test. The aim of the usability test was to find out which aspects made the website more user-friendly and what development needs remained. The test was analysed by observing the test users’ facial expressions, gestures and mouse movements as well as by measuring the time it took to complete the tasks. The analysis of the usability test showed that the new website is user-friendly. The development needs that emerged in the test were prioritised into immediate measures and further development proposals. The findability and measurability of the new website were improved. Monkey Business will be responsible for evaluating the success of the changes made and for the future development of the website after the website has been published....
The purpose of this thesis was to analyse the current website of Monkey Business and look for development needs based on research literature. Monkey Business provides services for companies that are undergoing changes. The aim of the thesis was to create for Monkey Business a website with improved user-friendliness, also taking into account findability and measurability. The purpose of the website is to support the company’s business and to improve business growth. The significance of a website as a form of digital media was at the core of the thesis’s knowledge base. The knowledge base focused on literature and research through the concepts of usability, measurability and findability. User-Friendly Website in Promoting Business is a functional thesis, the output being the improved website and further development proposals for the site. The new website was changed in a way that improves its usability by developing the web-site’s structure, visual design, functionality and content layout. The website’s position in search results was improved by increasing its search engine friendliness. Measurability was developed by changing the website’s structure so that it supports web analytics. Conversions were also taken into account in the measurability of the website. The aim was to increase the number of contacts and thus to support business growth with the help of conversions. Further development proposals were formed by analysing the results of the usability test. The aim of the usability test was to find out which aspects made the website more user-friendly and what development needs remained. The test was analysed by observing the test users’ facial expressions, gestures and mouse movements as well as by measuring the time it took to complete the tasks. The analysis of the usability test showed that the new website is user-friendly. The development needs that emerged in the test were prioritised into immediate measures and further development proposals. The findability and measurability of the new website were improved. Monkey Business will be responsible for evaluating the success of the changes made and for the future development of the website after the website has been published....
Yhtenäisten opiskelukäytänteiden toteutuminen Laurea-ammattikorkeakoulun Hyvinkään ja Tikkurilan liiketalouden P2P-koulutuksissa
(Laurea-ammattikorkeakoulu, 2017)
Tässä opinnäytetyössä tutkitaan, millaisia yhteneväisyyksiä ja eroavaisuuksia on Laurea-ammattikorkeakoulun kahdella eri kampuksella järjestettävässä liiketalouden P2P-koulutuksessa. Työelämän muutoksessa ja kehityksessä siirrytään entistä itseohjautuvampaan suuntaan, jolloin myös koulutuksen on vastattava uusiin haasteisiin. Projektioppiminen on tästä syystä noussut haastamaan perinteistä luentoperustaista oppimista. Aikataulutettujen opettajavetoisten luentojen sijasta opiskelijat toimivat itseohjautuvasti pienissä ryhmissä oikean ongelman parissa. Laureassa projektioppimisesta käytetään lyhennettä P2P, peer to peer, eli vertaiselta vertaiselle.
Opinnäytetyön tavoitteena on tuottaa Laurea-ammattikorkeakoululle uutta tietoa ja uusia kehittämisideoita. Molemmilla kampuksilla opiskelleiden näkökulma koulutuksen kehittämiseen on kyseisessä ammattikorkeakoulussa uusi, vaikka näillä opiskelijoilla on hyödyllistä tietoa koulutuksien vertailun perustaksi. Hyviä ja kehittämistä kaipaavia puolia kartoittamalla on mahdollisuus löytää keinoja entistä toimivampaan ja tasalaatuisempaan P2P-koulutukseen.
Opinnäytetyön teoreettinen viitekehys koostuu Laurea-ammattikorkeakoulussa käytössä olevasta Learning by Developing-oppimismallista sekä projektioppimisesta. Tässä opinnäytetyössä käsitellään myös P2P-koulutuksen syntyä, kehitystä ja nykypäivää. Tutkimuksellinen osa toteutetaan tutkimushaastatteluna, jossa haastatellaan pääasiallista kampustaan opintojen aikana vaihtaneita opiskelijoita, joilla on kokemusta sekä Hyvinkään että Tikkurilan kampuksilla opiskelusta. Lisäksi haastatellaan näiden kampusten kehittämispäälliköitä, ja sitä kautta selvitetään kohtaavatko kehittäjien visiot ja käytäntö P2P-opiskelijoiden arjessa.
Tutkimuksen perusteella tarvetta varsinaiselle P2P-koulutusten yhtenäistämiselle ei ole. Kuitenkin kampuksille suositellaan yhtenäisen prosessikuvauksen luomista selkeyttämään projektiopintojen sisältöä sekä varmistamaan opintojen tasainen laatu. Opiskelijoiden ja kehittämispäälliköiden näkemykset kohtasivat kehittämiskohteiden osalta hyvin....
The goal of this thesis was to establish the similarities and differences between the P2P-based business studies provided in two campuses (Tikkurila and Hyvinkää) of Laurea University of Applied Sciences. Working life is changing towards lower...
The goal of this thesis was to establish the similarities and differences between the P2P-based business studies provided in two campuses (Tikkurila and Hyvinkää) of Laurea University of Applied Sciences. Working life is changing towards lower...
Sosiaalisen median strategia koneurakointiyritykselle
(Laurea-ammattikorkeakoulu, 2017)
Tässä opinnäytetyössä tutkittiin koneurakointiyrityksen mahdollisuuksia hyödyntää sosiaalista mediaa markkinoinnissaan. Työn tutkimusongelmana oli selvittää, miten toimeksiantaja voi hyödyntää sosiaalista mediaa markkinoinnissaan ja saada lisää tunnettavuutta ja sen mukana lisää asiakkaita. Tässä työssä keskityttiin yrityksen yksityisiin asiakkaisiin.
Työn toimeksiantajana toimi Koneurakointi Marjamaa Oy. Koneurakointi Marjamaa Oy on kaarinalainen nosto- ja kuljetusyritys, joka tarjoaa palveluitaan sekä yrityksille että yksityisille asiakkaille. Toimeksiantajan sosiaalisen median käytöstä ei ole laadittuna mitään tarkkaa suunnitelmaa. Yrityksen markkinointi on melko pienimuotoista ja tarkemmalle markkinointisuunnitelmalle oli tarvetta.
Työn viitekehys koostui kirjallisista ja sähköisistä lähteistä, toimeksiantajan toiveista sekä benchmarking-tutkimuksen tuloksista. Työn teoriaosuus koostui sosiaalisen median tarkastelemisesta ja valittujen kanavien läpikäynnistä sekä niiden hyödyntämisestä. Työn käytännönosuus piti sisällään kaksi vaihetta: benchmarking-tutkimuksen sekä itse sosiaalisen median strategian toimeksiantajalle. Benchmarkingin avulla saatiin tietoa siitä, miten muut yritykset käyttävät sosiaalista mediaa hyödykseen ja tutkimuksen avulla saatuja tuloksia pystytään hyödyntämään toimeksiantajan sosiaalisen median strategian rakentamisessa.
Työn lopputuloksena syntyi sosiaalisen median strategia, joka toimitetaan toimeksiantajalle. Strategiasuunnitelma perustui benchmarking-tutkimukseen, jossa vertailtiin vastaavien yritysten sosiaalisen median käyttöä. Tutkimuksen perusteella käytetyin kanava sosiaalisessa mediassa vastaavissa yrityksissä oli Facebook, mutta myös muita kanavia kokeillaan. Keskimääräisesti seuraajia vertailuyritysten Facebook-sivuilla oli 100–1000. Päivitystahti sosiaalisessa mediassa oli vaihtelevaa, mutta suurin osa julkaisi jotain sosiaalisen median kanavissaan vähintään kerran viikossa. Suosituin julkaisutapa oli kuvajulkaisut ja toisena videojulkaisut. Sosiaalisen median strategia rakentui tutkimustulosten ja teorian avulla.Strategiassa määritettiin sosiaalisen median tavoitteet, työkalut sekä toteutus.
Kehittämisehdotuksina toimeksiantajalle ehdotettiin sosiaalisen median vastuuhenkilön nimeämistä, annettiin vinkkejä sosiaalisen median julkaisujen sisältöihin, sosiaalisen median julkaisujen hyödyllisyyden mittaamiseen sekä ehdotettiin perinteisen markkinoinnin vähentämistä....
The goal in this thesis was to research how a contracting company of lifting and transporting can benefit from using social media as part of their marketing. The research problem in this thesis was to solve how the commissioner can benefit from...
The goal in this thesis was to research how a contracting company of lifting and transporting can benefit from using social media as part of their marketing. The research problem in this thesis was to solve how the commissioner can benefit from...
Tilintarkastuksen laatukäsikirja
(Laurea-ammattikorkeakoulu, 2017)
tilintarkastuksessa tulee noudattaa. Koska tilintarkastusyrittäjä tekee tilintarkastustyötä pienille ja keskisuurille osakeyhtiöille ja asunto-osakeyhtiöille, opinnäytetyö rajattiin koskemaan erityisesti näiden yhtiömuotojen tilintarkastusta.
Opinnäytetyö...
An entrepreneur studied a degree in Auditing in order to offer auditing services. The law requires that every auditor has to have a quality assurance system and because of that the entrepreneur needed a quality manual of auditing. The purpose of this thesis was to solve what quality means in auditing and how to ensure that auditing will fulfill quality requirements. Relevant questions were; what auditing process includes and what laws and standards have to be followed. Entrepreneurs customers are mostly small and medium sized limited companies and housing corporations so the thesis focuses on auditing in these company forms. The thesis was made in close cooperation with the entrepreneur. The foundation of the thesis was a literature review and content analysis and interviewing was used as a research method. As a result of the thesis a quality manual of auditing was made and it was written based on entrepreneurs needs. However an entrepreneur has to keep in mind that if ways of action or procedures change, the needed changes have to be made to the quality manual....
An entrepreneur studied a degree in Auditing in order to offer auditing services. The law requires that every auditor has to have a quality assurance system and because of that the entrepreneur needed a quality manual of auditing. The purpose of this thesis was to solve what quality means in auditing and how to ensure that auditing will fulfill quality requirements. Relevant questions were; what auditing process includes and what laws and standards have to be followed. Entrepreneurs customers are mostly small and medium sized limited companies and housing corporations so the thesis focuses on auditing in these company forms. The thesis was made in close cooperation with the entrepreneur. The foundation of the thesis was a literature review and content analysis and interviewing was used as a research method. As a result of the thesis a quality manual of auditing was made and it was written based on entrepreneurs needs. However an entrepreneur has to keep in mind that if ways of action or procedures change, the needed changes have to be made to the quality manual....
Ylivarastojen tunnistaminen ja ehkäiseminen
(Laurea-ammattikorkeakoulu, 2017)
rakennettu erilaisia varastonohjausjärjestelmiä.
Tämä opinnäytetyö tehtiin pääkaupunkiseudulla toimivalle, pienen kokoluokan, tukkukaupalle. Tutkimuksen kohdeyritys toimii teknisen tukkukaupan alalla ja pyörittää operatiivista ostotoimintaa...
to be cost-efficient and tied up capital needs to be kept at minimum. For these reasons warehouses are often being managed by various inventory management systems which automatized ordering. This thesis was made for a small wholesale company, which...
to be cost-efficient and tied up capital needs to be kept at minimum. For these reasons warehouses are often being managed by various inventory management systems which automatized ordering. This thesis was made for a small wholesale company, which...
Asiakastutkimus : Korso Gym ja Ladies Gyms
(Laurea-ammattikorkeakoulu, 2017)
Tämän opinnäytetyön tarkoituksena oli tutkia kahden Vantaalla sijaitsevan kuntosalin, Korso Gymin ja Ladies Gymin, asiakkaiden tyytyväisyyttä saamaansa palveluun. Palveluun liittyvät muun muassa kuntosalin tilat, laitteet ja ryhmäliikuntatunnit...
The purpose of this thesis was to examine customer satisfaction of the two gyms in Vantaa, Korso Ladies Gym and Gym. Satisfaction was measured by doing a survey which included questions about gym facilities, equipment and group exercise classes. In addition, customers were asked about their gym habits and wishes of new equipment. The theoretical framework of the thesis focused on service and quality of service. It also discusses how quality of service can be measured. The study was conducted customer satisfaction survey which the customers answered independently. Total number of filled customer satisfaction surveys were 35 pieces from Korso Gym and 47 pieces from Ladies Gym. Conclusions and suggestions for development were made based on survey answers. The results were analysed with utilization of diagrams. Customer survey responses was demolished, and the results were reviewed using graphical patterns. Conclusions and suggestions were made based on the survey results. The study of Korso Gym and Ladies Gym customer satisfaction gave important information to the gyms. With results of this study gyms can improve their services and increase customer satisfaction. The results were similar between the gyms. Customers were pleased with the atmosphere of the gyms and group training lessons, as well as group training instructors. Improvements were desired to cleanliness and condition of the gym equipment. Also in Ladies Gym customers were not pleased with the selection and scheduling of group exercise classes together with gym equipment placement. The study was successful and the gyms got useful information. A few suggestions for further research emerged. First in Ladies Gym a study about group exercise classes focusing to selection of classes and scheduling. Secondly a subject, which was not discussed in this research was communication. Customer satisfaction survey focusing to communication could be performed. Website of Korso Gym have been redeveloped and Korso Gym also opened a Facebook page, so research would be current in that sense....
The purpose of this thesis was to examine customer satisfaction of the two gyms in Vantaa, Korso Ladies Gym and Gym. Satisfaction was measured by doing a survey which included questions about gym facilities, equipment and group exercise classes. In addition, customers were asked about their gym habits and wishes of new equipment. The theoretical framework of the thesis focused on service and quality of service. It also discusses how quality of service can be measured. The study was conducted customer satisfaction survey which the customers answered independently. Total number of filled customer satisfaction surveys were 35 pieces from Korso Gym and 47 pieces from Ladies Gym. Conclusions and suggestions for development were made based on survey answers. The results were analysed with utilization of diagrams. Customer survey responses was demolished, and the results were reviewed using graphical patterns. Conclusions and suggestions were made based on the survey results. The study of Korso Gym and Ladies Gym customer satisfaction gave important information to the gyms. With results of this study gyms can improve their services and increase customer satisfaction. The results were similar between the gyms. Customers were pleased with the atmosphere of the gyms and group training lessons, as well as group training instructors. Improvements were desired to cleanliness and condition of the gym equipment. Also in Ladies Gym customers were not pleased with the selection and scheduling of group exercise classes together with gym equipment placement. The study was successful and the gyms got useful information. A few suggestions for further research emerged. First in Ladies Gym a study about group exercise classes focusing to selection of classes and scheduling. Secondly a subject, which was not discussed in this research was communication. Customer satisfaction survey focusing to communication could be performed. Website of Korso Gym have been redeveloped and Korso Gym also opened a Facebook page, so research would be current in that sense....
Someraivo : miten kuluttajat suhtautuvat somekohuihin?
(Laurea-ammattikorkeakoulu, 2017)
Tämän opinnäytetyön tarkoituksena on syventyä kuluttajakäyttäytymisen digitaalisuuteen tutkimalla kuinka kuluttajat suhtautuvat sosiaalisen median kohuihin ja kuohuihin. Tarkoituksena on saada tietoa, josta on hyötyä markkinoinnin osaajille...
The purpose of this thesis is to examine the digitalization of consumer behavior by investigating how consumers react to social media crises. The main objective is to get information that could be beneficial for marketing professionals. The thesis...
The purpose of this thesis is to examine the digitalization of consumer behavior by investigating how consumers react to social media crises. The main objective is to get information that could be beneficial for marketing professionals. The thesis...
Pikaviestipalvelut ja suoramarkkinointi
(Laurea-ammattikorkeakoulu, 2017)
Tässä opinnäytetyössä tavoitteena oli tutkia suomalaisten kuluttajien pikaviestikäyttäytymistä. Pikaviestipalvelut ovat tulleet kuluttajien arkielämään viimeisen kymmenen vuoden aikana. Pikaviestipalvelujen käyttö muokkautuu ja muuttuu digitaalisten...
in the theoretical framework. As the aim of the project was to gather recent information, the main areas reviewed were new forms of direct marketing and new technologies as related to consumer communication. The theoretical part of thesis discussed how customer...
in the theoretical framework. As the aim of the project was to gather recent information, the main areas reviewed were new forms of direct marketing and new technologies as related to consumer communication. The theoretical part of thesis discussed how customer...
Mitä kiropraktikon vastaanotolla tapahtuu? Esittelyvideon laatiminen
(Laurea-ammattikorkeakoulu, 2017)
siitä, mitä asiakkaan tulisi odottaa saapuessaan ensimmäistä kertaa kiropraktikon vastaanotolle.
Opinnäytetyö koostuu kiropraktisen hoidon esittelyvideosta, joka on ladattu Suomen Kiropraktikkokeskus Oy:n käyttämiin sosiaalisiin medioihin ja sen lisäksi...
The objective of this thesis was to create an introductory video for new customers of a chiropractic company called Suomen Kiropraktikkokeskus Ltd. The video was commissioned by the company and its purpose was to help the company to better inform its future clients what to expect when visiting the practice for the first time. The purpose was also to ease the interaction between the client and the staff prior to their arrival by providing an explanation on what to expect when visiting the clinic for the first time. The thesis describes literature on customer reliability, customer handling and customer loyalty and interactions with the customer as a part of the service process with a particular emphasis on customer qualities. A literature review was produced on customer interaction in order to base the video on scientific background information. The video was formulated by mapping the needs of the company. Prior to the production of the video, discussions were organized with the staff of the company. Furthermore, it was noted that the new customers generally did not possess a vast understanding of what happens during the first visit to a chiropractor. A further challenge for the staff was also often the fact that the customers were unaware of the main focus of chiropractic care and hence they were unable to utilize the potential benefits of the care in a broader sense. The video provided the company help in familiarizing the future customer with the benefits of chiropractic care. Suomen Kiropraktikkokeskus Ltd has marketed its services only minimally and the vast majority of the new customers come to the company through the recommendations of prior customers and doctors. Marketing and sharing customer information about the benefits of chiropractic care have been scarce and external marketing has been overshadowed by internal marketing. The introductory video produced aims at helping the new clients of Suomen Kiropraktikkokeskus Ltd, to better understand what to expect when visiting the clinic for the first time. Furthermore, the video was designed to make the interaction between the patient and the clinic staff smoother and enable the new client to better understand what to expect. The video was given to the company and was loaded to the company’s social media platforms. With this video, the company can better enlighten the potential client about the content of the chiropractic treatment, providing a base for the acquisition of better informed customers in the future. The company was given a suggestion that further videos should be made to the company website, regarding the wide spectrum of health benefits that a chiropractic care can give ailment to. Due to this recommendation, the company also started to upgrade its website. In order to acquire better informed patients, it was suggested to the company that patient lectures were to be organized and this has taken place since the video was released by the company....
The objective of this thesis was to create an introductory video for new customers of a chiropractic company called Suomen Kiropraktikkokeskus Ltd. The video was commissioned by the company and its purpose was to help the company to better inform its future clients what to expect when visiting the practice for the first time. The purpose was also to ease the interaction between the client and the staff prior to their arrival by providing an explanation on what to expect when visiting the clinic for the first time. The thesis describes literature on customer reliability, customer handling and customer loyalty and interactions with the customer as a part of the service process with a particular emphasis on customer qualities. A literature review was produced on customer interaction in order to base the video on scientific background information. The video was formulated by mapping the needs of the company. Prior to the production of the video, discussions were organized with the staff of the company. Furthermore, it was noted that the new customers generally did not possess a vast understanding of what happens during the first visit to a chiropractor. A further challenge for the staff was also often the fact that the customers were unaware of the main focus of chiropractic care and hence they were unable to utilize the potential benefits of the care in a broader sense. The video provided the company help in familiarizing the future customer with the benefits of chiropractic care. Suomen Kiropraktikkokeskus Ltd has marketed its services only minimally and the vast majority of the new customers come to the company through the recommendations of prior customers and doctors. Marketing and sharing customer information about the benefits of chiropractic care have been scarce and external marketing has been overshadowed by internal marketing. The introductory video produced aims at helping the new clients of Suomen Kiropraktikkokeskus Ltd, to better understand what to expect when visiting the clinic for the first time. Furthermore, the video was designed to make the interaction between the patient and the clinic staff smoother and enable the new client to better understand what to expect. The video was given to the company and was loaded to the company’s social media platforms. With this video, the company can better enlighten the potential client about the content of the chiropractic treatment, providing a base for the acquisition of better informed customers in the future. The company was given a suggestion that further videos should be made to the company website, regarding the wide spectrum of health benefits that a chiropractic care can give ailment to. Due to this recommendation, the company also started to upgrade its website. In order to acquire better informed patients, it was suggested to the company that patient lectures were to be organized and this has taken place since the video was released by the company....
K-Plussa Mastercard-kortin vaikutus asiakkaan ostopäätökseen : case: Asko-huonekaluketju
(Laurea-ammattikorkeakoulu, 2017)
Opinnäytetyön tavoitteena oli selvittää, miksi asiakas valitsee K-Plussa Mastercard kortin, vaikuttiko rahoitus asiakkaan ostopäätökseen ja mahdollistiko rahoitus kalliimman tuotteen ostamisen? Opinnäytetyön tulosten avulla yritys näkee rahoituksen...
The goal of this thesis is to find out why a customer chooses to get the K-plussa Mastercard. Did the financing affect the customers’ decision to purchase or did the financing allow the customer to purchase a more expensive item? With the help of the results of this thesis a company can see the effects of the finance to its revenue and if the financing is worth mar-keting to the customers. The theory-base dealt the customers decision process when making a purchase. What were the factors that affected the decision to purchase and how the purchase process proceeds? In this thesis we dealt the inner and outer factors as well as the effects of price to the decision of purchase. The research was carried out with a paper question form in one of the client’s stores in South-west Finland. According to the research, a customer most commonly hears about the K-plussa Mastercard from the salesperson at the store. With the cards zero-interest rate payment plan, we were not able to make bigger deals, but a significant amount of the customers would not have made buy at all, if it wasn’t for the financing offered. The results tell that the customers used the zero-interest rate financing, although they would have had the ability to pay for the products with cash. The finance and the free annual fee were the most interesting features of the card. With the financing a company can increase its sales, so the finance offered by the company is a significant part of the customer’s decision to purchase. A company needs to focus on the way their sales persons offer the K-plussa Mastercard. The research could be developed further by finding out the sales person`s views on the effects of the financing and how it could be developed....
The goal of this thesis is to find out why a customer chooses to get the K-plussa Mastercard. Did the financing affect the customers’ decision to purchase or did the financing allow the customer to purchase a more expensive item? With the help of the results of this thesis a company can see the effects of the finance to its revenue and if the financing is worth mar-keting to the customers. The theory-base dealt the customers decision process when making a purchase. What were the factors that affected the decision to purchase and how the purchase process proceeds? In this thesis we dealt the inner and outer factors as well as the effects of price to the decision of purchase. The research was carried out with a paper question form in one of the client’s stores in South-west Finland. According to the research, a customer most commonly hears about the K-plussa Mastercard from the salesperson at the store. With the cards zero-interest rate payment plan, we were not able to make bigger deals, but a significant amount of the customers would not have made buy at all, if it wasn’t for the financing offered. The results tell that the customers used the zero-interest rate financing, although they would have had the ability to pay for the products with cash. The finance and the free annual fee were the most interesting features of the card. With the financing a company can increase its sales, so the finance offered by the company is a significant part of the customer’s decision to purchase. A company needs to focus on the way their sales persons offer the K-plussa Mastercard. The research could be developed further by finding out the sales person`s views on the effects of the financing and how it could be developed....









