Business Economics and Tourism

Firstly, I would like to thank my thesis supervisor, Ms Åsa Lillhannus, for her continuous support and feedback. She has encouraged me during the thesis writing process and gave her valuable suggestions which have helped me a lot. The completion of this thesis would not have been possible without her support. My sincere thanks to Nordea Bank. I would like to thank my parents and the rest of my family members for their special support during my education and life. I would also like to thank my friends for their continuous support. Thank you all